Allianceone Receivables Management, Incorporated

From: Revdex.com of Metro Washington DC<[redacted]>Date: Fri, Jul 31, 2015 at 11:05 AMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: [redacted] <[redacted]>
---------- Forwarded message ----------From: [redacted] <[redacted]>Date: Thu, Jul 30, 2015 at 2:14 PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #[redacted].To: "[redacted]" <[redacted]>Hello and Thank you for looking into/Helping me with this issue. I was able to resolve it in the amount of 558 and it has been removed form my account. I am now waiting on my SIF letter from them. Thank you so very much.

August 13, 2015
Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on August 10, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in her rejection to our most recent response that notices sent by AllianceOne were sent to an address with an incorrect apartment number and that she never received them. She would like to know how to resolve the matter since the notices were not sent to the proper address.
As previously stated the letters mailed to [redacted] were mailed to the address supplied to us by the court and reflect the address on file with the Department of Motor Vehicles at the time of the offenses.
If [redacted] has any questions concerning her account, she may speak with an agent at ###-###-####. An agent will be able to discuss her account in greater detail.
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 Officer
AllianceOne Receivables Management, Inc.
Office: ###-###-####
Toll Free: ###-###-####
E-mail: [redacted]@allianceoneinc.com

I write in response to the concerns expressed to your office by Mr. [redacted] on July 2, 2015. appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Mr. [redacted] states in his complaint he has never been contacted regarding debt.Nassau County [redacted]...

referred to AllianceOne account number [redacted] on March 23, 2015. It currently shows a balance of $121.70. This photo infraction was issued by the photo enforcement division for a speeding violation. I have attached validation of debt for Mr. [redacted]'s review.Mr. [redacted] states he has never been contacted or notified that the matter was referred to collections. Our records indicate, on March 26, 2015, AllianceOne sent him notification of the debt being placed for collections. There was no mail return to us by the postal service leading us to believe the letter was received by Mr. [redacted].Mr. [redacted] states his desired resolution is to remove this from his credit report. As a data furnisher, AllianceOne must provide accurate information to the credit reporting agencies in order to promote the integrity of the credit reporting system. Mr. [redacted]'s account has been reported as disputed to the credit reporting agencies as a result of his complaint. At this time we have accurately reported the balance as disputed to the credit bureaus and our office will not be removing our properly reported tradeline.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,Daisy M[redacted] Compliance Officer Allianceone Receivables Management, Inc

April 20, 2017Dear [redacted],I am writing in response to the concerns expressed to your office by [redacted] on April 17, 2017. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states that she has had difficulty reaching our office to...

make a payment and has also had issues with our online payment system causing her payment to be late.Federal Way Municipal Court referred to AllianceOne for collection ticket #27477126, client reference #0991500182662 on December 21, 2015, as of April 18, 2017 her total balance was $216.03. [redacted] had notified us in February 2017 that our advertised business hours were inaccurate; we have since updated our front-end voice message to advertise the correct office hours.After receiving [redacted]’ most recent complaint we investigated her claims and found no issues with our online payment portal or issues with our phone system. There may be issues with our online payment portal during times of heavy traffic; these errors do not typically last very long and we continue to work to improve our technical systems. We genuinely appreciate customer feedback and use it to engage in continuous improvements of consumer tools. If [redacted] continues to have issues paying online, she may speak with an agent between the hours of 8am-7pm Pacific Time at [redacted].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 [redacted].Very Respectfully, Mercedes MCompliance Officer

June 25, 2014
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] on June 23, 2014. I appreciate the opportunity to respond on behalf
of AllianceOne Receivables Management, Inc.
 
**. [redacted] states in his complaint that his ex-wife incurred the
accounts in question, that he paid them as she did not transfer the title to
the car, but wants our tradeline deleted.
 
AllianceOne was referred 5 accounts all from [redacted] Municipal
Court.  Please reference the table below:
 




























































Account Number

Client Reference Number

Referred By

Date Referred

Original Balance

Interest/Other Fees

Current Balance

Credit Reported Y/N

[redacted]

[redacted]

[redacted] Municipal Court

December 23, 2010

$29.28

$12.08

$0.00

N

[redacted]

[redacted]

[redacted] Municipal Court

December 23, 2010

$29.28

$12.08

$0.00

N

[redacted]

[redacted]

[redacted] Municipal Court

September 2, 2010

$74.94

$33.68

$0.00

Y

[redacted]

[redacted]

[redacted] Municipal Court

May 14, 2010

$74.94

$36.41

$0.00

Y

[redacted]

[redacted]

[redacted] Municipal Court

October 2, 2008

$74.97

$.10

$0.00

N

 
 
At this time, in an effort to resolve this issue, please accept this
letter as confirmation that on June 24, 2014 AllianceOne submitted a request to
the credit bureaus to delete its tradelines from your credit reports.  Our
request was submitted electronically (via E-Oscar, confirmation #[redacted] and
[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,
[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.

July 8, 2015Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on July 4, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that these debts do not belong to her,...

that they are not valid and that she has never had any contractual agreement with either AllianceOne or [redacted] Bank.Allianceone was referred account # [redacted] (account #[redacted]) by [redacted] Bank, N.A. on May 18, 2015 with a balance of $278.68. [redacted]' account was opened on October 12, 2011 and we have attached a copy of her monthly statements which shows the most recent activity and details how the amount owed was arrived at. Based on these statements it appears the charges stem from [redacted] overdrawing her account.We strive to provide a positive customer experience while resolving account concerns 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,Carol E.Compliance Officer

July 13, 2017Dear [redacted],I am writing in response to the concerns expressed to your office by [redacted] on July 6, 2017. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states that he had been paying a $10 processing fee when making his payments online that shouldn’t have applied to him because he qualified for the Amnesty Program through California, he would like to have these processing fees refunded. [redacted] also expressed concerns regarding the professionalism of one of our supervisors.San Diego Superior Court referred account #[redacted] to AllianceOne on August 17, 2015 with a balance of $771.00. [redacted] was approved for the Amnesty Program and agreed to a monthly payment plan on February 1, 2017. Because of the processing fees that [redacted] was charged, a refund of $30 has returned to the card used for the payments on July 17, 2017, he should see the funds within five business days.Our on-site employee either gave him the incorrect information regarding the fees or he misunderstood what she was saying, our review shows that the fees were proper and agreed to by him. None the less we have agreed to refund the fees to him due to the confusion. We apologize if [redacted] believes he was treated poorly by our representatives, our goal is to treat everyone with dignity and respect. The portion of his complaint regarding “Nicole” appears to be incomplete so we are not able to address it. If he would like to forward us more complete information we would be happy to further investigate the concern.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[redacted]Compliance Officer

[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:This is absolutely absurd, In no way shape or form has **. [redacted] attempted to solve this situation or explain the actions that caused the current situation I'm faced with due to AllianceOnes malfeasance. All **. [redacted] has done is deny blame and hide behind half truths, misdirection and scapegoats with the pure attempt as self preservation. Thus **. [redacted] receives a very short response back from me this time and an extremely just 'I am rejecting this response'! Furthermore I do not really have much more to say, this is because my original complaint has absolutely every fact, date, detail and time needed for any sensible person to come to the conclusion that AllianceOne is completely at fault thus I simply will refer **. [redacted] to my original letter because clearly, as displayed from the company **. [redacted] represents, it takes more than one read over to understand the information thoroughly.
Regards,[redacted]

[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.  Thank you for your response 
Regards,
[redacted]

[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 made monthly payments EVERY month and as I stated before, if I had received a letter stating that they were not accepting a post dated check, I would have resent it. The total ticket was about $500.00 give or take and I made payments so there should be no way that I owe the full amount again. I have tried calling the company to request a detailed print out of what I paid which I was told the company would not provide. I was lectured by the CSR about how I should remember the amount of the ticket as well as the last payment I sent. This is impossible for me to do as I was in an abusive relationship and suffered with memory lost from the damage done to me head. I have no problem paying my bills, which is why I set up the payment plan. The company that took over the collection is unwilling to show me what was received by the original creditor, they are rude and harass you daily to the point I have had to block their number. The only response I received from the company was a copy of the ticket. I am not disputing I have a ticket, I am disputing the amount owed. The collection agency received my information long before I filed my 2012 and 2013 taxes, neither were intercepted from state or federal. In the time that has passed since the ticket, I NEVER received any documents that I still owed from the court or the collection agency until this year, 2 years later, when my taxes we taken. I have worked with credit collections before and the company is suppose to provide the information proving that a debt is owed. The letter attached to the email I received is NOT what was sent to me with the check. I do not remember exactly what it said but I know for a fact that the letter was longer with more writing than the one attached. I would like the collection agency to provide a print out of all payments that I paid to the courts as well as what the total amount of the ticket was. There is no reason I should have to pay 1,000$ for a ticket that was paid. The CSR reps do not help the customers, they are rude and belittling to the public and should not berate a person who has suffered medical injuries from severe abuse.
Regards,
[redacted]

August 31, 2015
Dear [redacted]:I write in response to the concerns expressed to your office by [redacted] on August 25, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in his complaint he is requesting...

AllianceOne stop a garnishment and refund his overpayment.On August 24, 2015 AllianceOne received a call from [redacted] inquiring on how to stop the garnishment and asking when he would get a refund check for an overpaid amount. Our agent attempted to clarify to [redacted] he would not be able to personally stop the garnishment however his employer would be able to stop it by contacting our legal department. He was advised that his employer could contact them directly by calling the number provided on the garnishment writ his employer was served. Unsatisfied with the call outcome, [redacted] contacted our consumer hotline and expressed his concerns. I explained to [redacted] I would need to investigate this matters and I would contact him the following day.As I investigated his concerns it appeared that his employer appeared to be withholding too much money from his paycheck. I contacted our Legal department and they agreed and faxed documents to release the garnishment on [redacted]’s pay check. A request was submitted to our posting department which expedited the refund process for [redacted]. On August 26, 2015, check number 3601737, in the amount of $90.28, was sent to him via [redacted] overnight service to [redacted]’s address. He should have the refund at this time.
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,
Daisy M[redacted]
Compliance Officer
###-###-####

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.  
The details of the request for payment have been submitted electronically, completing my orginal request.  I will be reaching out to this group to discuss payment. 
Regards,
[redacted]

December 9, 2015
Dear [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]@[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]. [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.

10 - 02 – 14
This letter contains information regarding your account assigned to AllianceOne. Please call our office upon reciept of this letter.For your added convenience and immediate credit, you may pay your account at any [redacted] location. Please call for details.Your...

account representative is : OLIVIA S[redacted] ###-###-#### EXT [redacted]For your convenience you can now make your debit card or credit card payment towards your AllianceOne account online at [redacted]This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.PER YOUR REQUEST, HERE IS A COPY OF THE VALIDATION FOR YOUR ACCOUNT.

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.

From: Carol E[redacted] <[redacted]@allianceoneinc.com>Date: Tue, Aug 25, 2015 at 10:42 AMSubject: ID [redacted]To: [redacted]@myRevdex.com.org
margin: 0px; font-size: small; font-family: arial, sans-serif;">Dear [redacted],
 
Please extend us an extension regarding [redacted]’ complaint so that we may fully investigate his issue.
 
Regards,
 
Carol E[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.
Office: ###-###-####
Toll Free: ###-###-####
E-mail: [redacted]@allianceoneinc.com

[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:Thank you for submitting the proof of where the notices were sent.  The apartment number is incorrect, which is why we never received the notices.  How can we resolve this now that Alliance One did not send to the accurate address?
Regards,
[redacted]

July 3, 2014Dear **. [redacted]:I am writing in response to the concerns expressed to your office by **. [redacted] on June 27, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.**. [redacted] states in his complaint that in February 2013...

that he requested validation of his debt. That he was sent validation for another person's account. **. [redacted] states we have violated FDCPA section 809. In addition, **. [redacted] states he intends to file suit against AllianceOne for said violations.AllianceOne was referred three criminal matters by [redacted] County Superior Court. Please refer to the table below:Account  Number    Client Reference Number    Referred by                                   Date Referred    Offense                      Balance[redacted]                    [redacted]                   [redacted] County Superior Court    January 6, 2011    Unlicensed  Driver    $545.00
[redacted]                    [redacted]                  [redacted] County Superior Court    June 16, 2010         DUI                            $1599.00
[redacted]                    [redacted]                  [redacted] County Superior Court   February 10, 2011   Resisting an Executive $545.00
                                        ...⇄ officer and battery on a
                                        ...⇄ peace officer  
                                        ...⇄ TOTAL        $2884.00
The above debts have been properly reported to the major Credit Reporting Agencies as has **. [redacted]'s dispute. Our review of the debts show that the convictions are an accurate reflection of the decisions of the Court and the balances are correct. If **. [redacted] has more specific information to support his belief they are not his and can provide it to us we will further review the matter with the Court. Verification was mailed to **. [redacted] on June 27, 2014 on all convictions with the exception of account [redacted], which will be forwarded to **. [redacted] directly from our office in [redacted].  We apologize for the confusion related to the inaccurate information provided to him previously on one of these matters.The Fair Debt Collection Practices Act (FDCPA) applies to personal, family or household debt. The FDCPA does not apply in this case as the debt does not meet the definition [15USC 1692a(5)]. Any FDCPA violations alleged in this matter are incorrect as a matter of law.We strive to provide a positive customer experience while resolving account concerns, 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,

11 – 07 – 14This letter contains information regarding your account assigned to AllianceOne. Please call our office upon reciept of this letter.For your added convenience and immediate credit, you may pay your account at any [redacted] location. Please call...

for details.Your account representative is: ALLIANCEONE ###-###-####For your convenience you can now make your debit card or credit card payment towards your AllianceOne account online at http://[redacted] com.This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.PER YOUR REQUEST, HERE IS A COPY OF THE VALIDATION FOR YOUR ACCOUNT.

I received a phone call from some woman with a heavy accent and seemed to mumble about the debit I owe to c[redacted] o** I can tell she has no customer service experience I had to have her repeat the address several times she was pronouncing suite and truite her speaking was that of street language. she asked me if I would like to participate in a survey I said yes. she put me on hold and told me I could not do the survey!! but in her words next time you can do ok..
All I could think was WOW is this legit I'll wait for my letter.. she gave her name as S[redacted] G[redacted].