Allianceone Receivables Management, Incorporated

I am writing in response to the concerns expressed to your office by Ms. [redacted] on July 8, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Ms. [redacted] states in her rejection to our response that she has provided information to locate the account being reported to the Credit Reporting Agencies (CRA’s). That AllianceOne has been unable to locate an account and that she has contacted the (CRA’s) who told her that we should remove the tradeline if unable to locate an account.Upon receiving Ms. [redacted]’s rejection to our initial response we again tried to locate an account in our office for her. We are still unable to locate any account with Ms. [redacted]’s name, address provided, telephone number or by social security number. We would encourage Ms. [redacted] to provide a copy of her credit report in an effort to resolve this matter.As stated previously unfortunately for AllianceOne to remove a tradeline we must be able to tie the removal to an account number. AllianceOne provides the account number to the consumer reporting agencies when credit reporting and they should provide it to the consumer when issuing a credit report to allow us to locate a consumer’s account in this kind of situation. At this time the best way for Ms. [redacted] to have the tradeline removed is to dispute it directly to the Credit Reporting Agencies (CRA’s) as they will have record of who reported it to them and the specific account information. They will then then notify AllianceOne of the dispute with identifiable account information.We apologize for the difficulty Ms. [redacted] has experienced and would very much like to help her resolve the matter. Ms. [redacted] may feel free to contact me directly in an effort to resolve this matter.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Ms. [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E[redacted] Compliance Officer AllianceOne Receivables Management, Inc.

October 20, 2016Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on October 12, 2016. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states she contacted AllianceOne and was informed by an agent...

that her payment was being returned to her, however the check was deposited and as a result she incurred overdraft fees.[redacted]) referred to AllianceOne for collection account(s) #[redacted] and [redacted], client reference #[redacted] and [redacted] on September 29, 2016 and July 29, 2016 with a balance(s) of $43.99 and $86.33, respectively. Currently account #[redacted] reflects a balance of $61.73 due to a payment made on October 11, 2016. We have marked [redacted]’s account(s) as disputed.We received multiple disputes from [redacted] on August 29, 2016 and October 12, 2016. [redacted]’s August dispute included proof of payment which we forwarded to our client for their review. Our client reviewed the documentation provided by [redacted]; and stated that the debt had not been paid and was still owed. Upon receiving [redacted]’s CFPB complaint we again forwarded her dispute to our client for review they determined that a payment was processed for invoice #[redacted] on September 26, 2016 in the amount of $31.19. They show invoice #[redacted] in the amount of $86.33 and [redacted] in the amount of $44.99 are still owed.[redacted] may log onto www.[redacted].org to view the toll details on her invoices by utilizing her zip cash account ID provided on her invoices along with her license plate information.We reviewed the call referenced in [redacted]’s complaint from September 23, 2016. [redacted] explained that she remitted payment directly to [redacted]), and had also remitted a check to our office on September 15, 2016. [redacted] requested that the check she sent to our office be returned to her; and our agent informed her that upon receipt of her check it would be returned to her. We have requested the payment of $24.60 be reversed and a refund be mailed to [redacted]. We have issued a refund check #[redacted] tracking #[redacted] in the amount of $59.60; which includes the overdraft fee she incurred when her check wasn’t returned to her. [redacted]’s refund check was mailed on October 18, 2016.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E[redacted]Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail: [redacted]@allianceoneinc.com

March 16, 2017Dear [redacted],I am writing in response to the concerns expressed to your office by [redacted] on March 6, 2017. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] stated in his complaint that he was due a refund which was...

sent to the wrong address and he would like it sent to him at the proper address in the next 14 days.[redacted] County Superior Court Referred to AllianceOne for collections two tickets, ticket #[redacted], client reference #[redacted] on May 30, 2014 with a balance of $583.00 and ticket #[redacted], client reference #[redacted] on September 30, 2013 with a balance of $841.00. [redacted]’s accounts were referred to the Franchise Tax Board (FTB) and all of the payments on [redacted]’s accounts were received by AllianceOne from the FTB. Payments received by AllianceOne from the FTB overpaid both of [redacted]’s accounts with AllianceOne.[redacted]’s account #[redacted] was overpaid by $242.55; this overpayment was split into two separate amounts, one for $190.50 and another for $52.05. The first overpayment amount of $190.50 was applied to account #[redacted] that still had an active balance. Shortly after the payment of $190.50 was applied to account #[redacted] the FTB secured another payment from [redacted] and applied that to the account. The final payment secured by the FTB caused [redacted]’s account #[redacted] to then be overpaid by $42.45. The refund check for $42.45 (check #[redacted]) was mailed to [redacted] on March 13, 2017 and the refund check for $52.05 (check #3679818) was mailed to [redacted] on March 7, 2017.We strive to provide a positive customer experience while resolving account issues, and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully, Mercedes MCompliance Officer

See Attached:

July 21, 2014
Dear [redacted]:I am writing in response to the concerns expressed to your office by **. [redacted] on July 17, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.**. [redacted] states in her complaint that she was...

a victim of identity theft and that this account is not hers. She states that she contacted AllianceOne and provided us with copies of her lease, court documents, and a police report as proof the account is not hers. She states that we ignored her documentation and continue to credit report.AllianceOne was referred account [redacted] by [redacted] on May 23, 2014 with a balance of $4996.33. A debt validation letter was mailed to **. [redacted] on May 27, 2014. On June 13, 2014 **. [redacted] contacted our office she stated that she never lived at the service address nor did she authorize service at that address and was disputing the account. Our agent provided **. [redacted] with our fax number so **. [redacted] could fax her documentation to us and marked the account as a dispute. To date, no documentation has been received from **. [redacted].AllianceOne has not credit reported this account and the account was returned to [redacted] on July 14,2014 for handling. If **. [redacted] has any additional questions or concerns regarding this account she may want to contact [redacted] directly at ###-###-####We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing **. [redacted]'s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,

February 28, 2014
line-height: normal;">Revdex.com
Attention: [redacted]
Online Response
Re: [redacted]
ID #: [redacted]
Dear **. [redacted]:
I am writing in response to the concerns expressed to your office by **. [redacted].  I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
AllianceOne was referred account #[redacted] by our client [redacted] on June 7, 2010. **. [redacted] paid the balance in full on June 16, 2013.
There is also no indication that **. [redacted] in anyway disputes the reported debt, rather it appears he simply does not want a valid debt reported to the credit reporting agencies.  A review of our records shows that the debt is properly reported to the credit bureaus.  However as a gesture of good faith we have requested deletion of our tradeline.
Please accept this letter as confirmation that on February 28, 2014 AllianceOne submitted a request to the credit bureaus to delete its tradeline from **. [redacted]’s credit reports.  Our request was submitted electronically (via E-Oscar, confirmation # [redacted]) which should expedite the removal.  AllianceOne does not control how promptly the bureaus remove an item (or if they in fact remove it), but typically an item is deleted within three weeks.
We strive to provide a positive customer experience while resolving account issues, and we thank you for bringing **. [redacted]’s issues to our attention.  Please let me know if I can be of further assistance.
Very Respectfully,
[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.

[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.]
Revdex.com:
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,
[redacted]

August 24, 2017Dear [redacted],I am writing in response to the concerns expressed to your office by [redacted] on August 16, 2017. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in his complaint that the bill placed with...

AllianceOne was previously paid by his insurance and therefore was placed in collections in error. Upon Receiving [redacted]’s complaint we marked the account as disputed as reached out to our client to verify the balance on the account.[redacted]- Highland referred account #[redacted] to AllianceOne on September 2, 2014 with a balance of $478.15. [redacted]- Highland was able to confirm that [redacted]’s account had been paid by insurance after it was placed in our office and that the remaining balance should be forgiven. The account has now been closed out of our office. The payment of $399 was made by [redacted] and not [redacted], because this was paid by insurance, no refund is owed to him.When the account was cancelled back to the client due to the remaining balance being forgiven, we requested the removal of our tradeline from [redacted]’s credit bureau report. AllianceOne does not control how promptly the credit reporting agencies complete the removal of a tradeline but this is typically completed within 60 days.We strive to provide a positive customer experience while resolving account issues and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Mercedes M.

December 9, 2015Dear [redacted]: I am writing in response to the concerns expressed to your office by [redacted] on December 3, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states that she agreed to settle her [redacted]...

account and that she requested a letter outlining said agreement. She was advised that a letter regarding the arrangement would be sent to her but has not received it. She is requesting a letter showing that she settled her account and that credit reporting be updated.[redacted] referred to AllianceOne for collection account #[redacted]; client reference (# [redacted]) on July 24, 2015 with a balance of $345.55.On October 27, 2015 [redacted] agreed to settle her [redacted] account for $207.33 to be made in two payments November 13, 2015 for 103.66 and November 20, 2015 for 103.67. On November 30, 2015 a letter was sent to [redacted] via e-mail to [redacted].com informing her that her account had been closed as “settled in full”. We have attached the letter for [redacted]’s records. [redacted] should be advised that AllianceOne does not credit report on [redacted] accounts as the bank does that directly, we have however notified them that this account has been settled by [redacted] is encouraged to contact [redacted] directly regarding any credit reporting questions she may have at [redacted]. We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at [redacted]. Very Respectfully,Regards,  Carol E[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.

From: Carol E[redacted] <[redacted]@allianceoneinc.com>Date: Tue, Aug 25, 2015 at 10:42 AMSubject: ID [redacted]To: [redacted]@myRevdex.com.orgDear [redacted], Please extend us an extension regarding [redacted]’ complaint so that we may fully investigate his...

issue. Regards, Carol E[redacted]Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail: [redacted]@allianceoneinc.com

Dear Ms. Butts, 
Attached is our response to Mr. [redacted]'s recent complaint. 
If there is anything else I can do for you, please let me
know.
 
Regards,
Carol Ezell
Compliance Officer
AllianceOne Receivables Management, Inc.
Office: (651)255-2132
Toll Free: 1-866-367-6619
E-mail: [email protected]

September 15, 2014
Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on September 15, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in his complaint that the...

two collection accounts on his credit report have been paid for quite some time and are not his when he contacted our office the agent refused to have the tradelines deleted. [redacted] states that the tradeline is listed two times for the same ticket.AllianceOne was referred two accounts please see below table:Account Number  Ticket Number  Referred Date     Violation                          Date of Violation    Current Balance Credit Reported  2994322                4277801            Phoenix              Red Light Failure to Stop November 16, 2010  $0.00          Deleted September 2,                                                           Municipal Court                                                                                                           2014   
[redacted]                4277801          Phoenix                Delinquent Fees                N/A                          $0.00                    Y-as paid                                                                   Municipal Court           
Although we are reporting account # [redacted] accurately as paid, as a gesture of goodwill that on September 15, 2014 AllianceOne submitted a request to the credit bureaus to delete its tradeline from your credit reports. Our request was submitted electronically (via E-Oscar, confirmation # [redacted]) which should expedite the removal. AllianceOne does not control how promptly the bureaus remove an item (or if they in fact remove it), but typically an item is deleted within three weeks.
We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,

From: Carol E[redacted]<[redacted]@allianceoneinc.com>Date: Mon, May 4, 2015 at 1:12 PMSubject: [redacted] complaint ID [redacted]To: [email protected]
Dear [redacted],
 
I have reviewed [redacted] file. After responding to [redacted]’s and providing the information regarding our client she instead contacted our office. She should have been immediately referred to the client as the account was returned to them and AllianceOne is no longer collecting the debt. [redacted] requested a letter be mailed to her, unfortunately the agent did not inform [redacted] that her account was no longer being worked by AllianceOne and did in fact mail her a letter as she requested.
We have issued a corrective action to the agent [redacted] spoke with as they did not look to see what the status of the account was and provided information that they should not have as it could be construed as misleading. In addition we are reviewing the way accounts are canceled and returned to our client and implementing changes to our system that will prevent letters being sent on canceled accounts in the future.
[redacted] should again be advised that AllianceOne is no longer collecting the debt and that if she has questions or concerns she will need to contact the client directly as was previously stated in our responses.
 
Regards,
 
 
Carol E[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.
Office: ###-###-####
Toll Free: ###-###-####
E-mail: [redacted]@allianceoneinc.com

Just spoke to a "customer service representative" who was curt, rude and completely uninterested in helping me resolve my issue. Heavy accent and mumbled. I asked to speak to her manager and got a voice recording saying they would call back. Been hours and don't expect a response. These reps can barely speak English and have only one mode – be rude, aggressive and collect every penny that they can, right or wrong.

December 29, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on 12/19/2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in her complaint that she is...

unaware of a debt owed to [redacted] Municipal Court.AllianceOne was referred 4 accounts by [redacted] Municipal Court. Please refer to the table below:We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E
Compliance Officer

I am writing in response to the concerns expressed to your office by Mr. [redacted] on July 9, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Mr. [redacted] states in his complaint that he agreed to settle his Credit First account for $837.00 that he...

would make three payments of $279.00. That he submitted the first payment on May 11, 2015 and when he noticed that payments had not been taken out of his account in July he called to find out why.AllianceOne was referred account #[redacted] on August 11, 2014 by Credit First N. A. with a balance of $1545.03. On May 11, 2015 Mr. [redacted] contact AllianceOne and agreed to settle his account for $837.00 which was to be made in three payments of $279.00 each. The first payment was secured using a debit card on May 11, 2015 which our agent indicated was a onetime payment. Mr. [redacted] requested the remaining payments be applied at the end of the month for June and July.I have reviewed the recordings for the call in question and determined that at the end of the call there was a misunderstanding of the expectations moving forward. Mr. [redacted] asked about the payment and the agent assumed he was speaking about the May 11, 2015 payment and stated it would be reflected on his statement as AllianceOne. Our agent did not make clear enough to Mr. [redacted] that if he intended to use his debit card that he would be required to contact our office to authorize those payments. AllianceOne does not take postdated payments made with a debit card.We contacted our client and they have reassigned Mr. [redacted]’s account to AllianceOne and have agreed to accept the remaining settlement terms. We encourage Mr. [redacted] to contact an agent at ###-###-#### to set up the two payments remaining on the settlement offered him. We apologize for the confusion and frustration this may have caused Mr. [redacted].We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Mr. [redacted]’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E[redacted] Compliance Officer AllianceOne Receivables Management, Inc.

February 16, 2018Dear [redacted],I am writing in response to the concerns expressed to your office by [redacted] on February 9, 2018. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that the California Franchise...

Tax Board (FTB) garnished her wages but because the funds had not yet been released to AllianceOne, she was unable to have the hold on her driver’s license released.San Diego Superior Court referred account #[redacted] to AllianceOne for collections on May 24, 2016 with a balance of $1,055.00.Our client requires that unpaid accounts be referred to the FTB. When the FTB secures funds, AllianceOne has to wait the funds to be released to AllianceOne before the balance can accurately reflect what is owed. When [redacted] called in on February 6, 2018, the funds had not yet been released to AllianceOne so we could not notify the Court that the balance was resolved. The funds were released to AllianceOne by the FTB on February 8, 2018 and the client was then notified that the balance was resolved.AllianceOne does not have any contact with the Department of Motor Vehicles (DMV) directly, this is completed directly by the Court. [redacted] should contact San Diego Superior Court directly to have the hold on her driver’s license released.We strive to provide a positive customer experience while resolving account issues and we thank you for bringing [redacted]’ issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Mercedes MCompliance Officer

From: Revdex.com of Metro Washington DC<[email protected]>Date: Fri, Jun 10, 2016 at 3:55 PMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #[redacted].To: [redacted] <[redacted]@myRevdex.com.org>---------- Forwarded message...

----------From: Carol E[redacted] <[redacted]@allianceoneinc.com>Date: Fri, Jun 10, 2016 at 12:44 PMSubject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #[redacted].To: Revdex.com <[email protected]>Dear [redacted],I would like to request an extension regarding the above mentioned complaint response. We will submit no later than June 14, 2016 if you are agreeable with that.Regards, Carol E[redacted]Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail:[redacted]@allianceoneinc.com

I am writing in response to the concerns expressed to your office by Ms. Deborah [redacted] on June 25, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Ms. [redacted] states in her complaint that there is an AllianceOne tradeline on her credit report...

regarding a [redacted] & [redacted] account. She states that AllianceOne is in violation of the FDCPA as she was not given 30 days to dispute the debt and has not received validation that the debt is hers. She additionally states she is a confirmed victim of identity theft.In an effort to locate the account Ms. [redacted] references in her complaint I contacted her on June 25, 2015. She provided an old address and provided her social security number. Neither of which allowed me to locate a [redacted] & [redacted] account in her name. I informed Ms. [redacted] I would see what we could do to remove our tradeline in light of not being able to locate an account for her.Unfortunately for AllianceOne to remove a tradeline we must be able to tie the removal to an account number. At this time the best way for Ms. [redacted] to have the tradeline removed is to dispute it with the Credit Reporting Agencies (CRA’s), they in turn will forward to AllianceOne as a dispute notification. Since we will not be able to locate an account, we will respond to the dispute that we are not able to locate an account and the CRA will remove the tradeline.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Ms. [redacted] issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E[redacted] Compliance OfficerAllianceOne Receivables Management, Inc.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
I have attached a letter I received for full payment where I was promised by operator at Alliance One that derogatory credit would be removed on both accounts.  Please confirm acceptance.  I never received those notices, and disputed the derogatory reports with credit bureaus.  I paid in full as seen below just to settle this nonsense. Please confirm complete removal of negative credit report to proceed
Dear [redacted]Thank you for your payment. This email is a summary of your transaction. We recommend that you print this email as your receipt for payment.
If you have any questions, please contact your sales representative at the telephone number that is in the letter you received.
Amount of payment: $243.40
Date of payment: 10-8-2014Your reference number is: [redacted]
This transaction will show up on your statement as: Unknown
Thank You,AllianeOne Receivables Management, Inc.
Regards,
[redacted]