Allianceone Receivables Management, Incorporated

October 10, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on October 7, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in his complaint that he has an...

AllianceOne tradeline on his credit report. He also states that he was not driving the vehicle at the time of the violation thus AllianceOne should not be credit reporting.AllianceOne was referred two accounts # [redacted] ticket # [redacted] and account # [redacted] ticket #[redacted] by [redacted] County on October 2, 2013 and July 24, 2014 both with balances of $121.70. Both are for red light violations. Upon referral of both accounts placement letters were mailed via US Postal Service mail to [redacted] informing him that the accounts had been placed for collections. On March 3, 2014 [redacted] disputed account # [redacted] with the Credit Reporting Agencies (CRA's) his account was marked as a dispute and a response was mailed to him on June 2, 2014. Credit reporting of tickets is permissible under the Fair Credit Reporting Act and has been handled properly by AllianceCne in this matter.We have attached validation and a [redacted] County Court printout for [redacted]’s review. The validation is a copy of the letters initially sent to [redacted] by the court and includes pictures of the vehicle involved and details of [redacted]’s responsibility as vehicle owner including the following “When a red light offense is photographed, the registrant is mailed a Notice of Liability. The registrant is liable for a fine, currently $50.00, plus a Driver Responsibility Fee of $30. An imposition of liability shall not be deemed a conviction and shall not be made part of the operating record of the person upon whom such liability is imposed nor shall it be used for insurance purposes. Failure to pay the fine or request a hearing by the due date will be considered an admission of liability, and a default judgment may be entered against you and may result in an additional $25 penalty. THIS FINE IS NOT SUBJECT TO ANY DISCRETIONARY REDUCTIONS. The registrant can be held liable even if he/she was not the driver of the vehicle at the time of the violation.” [redacted] did not request a hearing and as such under New York Law is responsible for the amounts regardless of who was driving the vehicle.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 1-866-367-6619.Very Respectfully,Carol ECompliance Officer

July 28, 2015
Dear [redacted]:
I am writing in response to the concerns expressed to your office by [redacted] on July 24, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
 
[redacted] has once again rejected our response dated July 22, 2015. He continues to state that AllianceOne has not provided adequate proof of debt and that he wants credit reporting deleted.
 
In our last response we informed [redacted] that we provided proof of debt which included a transaction by transaction break down of the charges supporting the amount due for this debt. We also requested that if he had a more specific dispute to provide any supporting documentation. [redacted] has not provided any additional information with regard to his complaint. AllianceOne has complied with all regulations and the documentation forwarded to [redacted] supports the assertion that the debt is valid.
 
We also informed [redacted] in our last response that we do not report to the Consumer Reporting Agencies for [redacted] Bank. If [redacted]’ account is being credit reported it would be the bank reporting not AllianceOne.
 
We have been responsive to [redacted]’ complaint and unless he can provide a more specific dispute we have responded appropriately. Without a more specific dispute from [redacted], we are not able to supplement our previous responses with additional information. Until we receive a request where a further response would be possible, we consider the matter closed.
 
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[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

[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:  AllianceOne did not show proof of where these notices were sent.  I have never had issues with receiving mail, I believe these notices were sent to the wrong address due to the fact that they also had the incorrect phone numbers for this account.  Since the account was transferred to the [redacted] Tax Board, AllianceOne should also stop reporting collections on my husband's credit report.
Regards,
[redacted]

As explained in my initial complaint, I sent my payment for the violation T[redacted]585-1 to the Port Authority of NY twice in the envelope provided by the Port Authority.I attempted to pay my payment  electronically to ensure timely receipt by the Port Authority but the violation number couldn't be located in the system portal. I even called the Port Authority to find out why it couldn't be found in the e-portal, but I was told to mail my payment via regular mail.For the previous violation T[redacted]294-1 cited in the response letter by AllianceOne was paid via e-portal as it could be located. I suspect somehow my previous payments had not been processes by the Port Authority of NY. Given this circumstance, I'd like to have may payment reduced to $15.[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:
Regards,
[redacted]

July 23, 2014Dear **. [redacted]:I am writing in response to the concerns expressed to your office by **. [redacted] on July 21, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.**. [redacted] states in her complaint that the...

payment on her [redacted] is due on the 20th of each month. She states that her June payment was late, and she was charged a fee, and that she received a letter from AllianceOne stating that her account was in collections. She states her account is now current and wants this matter closed.AllianceOne was referred account [redacted]by [redacted] on July 14, 2014 with a balance of $1896.00. At the time of placement **. [redacted]'s' account was 19 days past due. [redacted] frequently refers its valuable customers to AllianceOne to assist them in addressing any hardship they may be encountering or to provide a helpful reminder of an oversight on their account. A collection letter was mailed to **. [redacted], to fulfill a legal requirement, but at no time was her account in default. She is completely correct that her payment was only late and has since been received.We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing **. [redacted]'s issues to our attention. We apologize for any confusion our letter may have caused her. Please let me know if I can be of further assistance. I can be contacted at [redacted].Very Respectfully,

April, 24, 2014
Revdex.com
Attention: [redacted]...

[redacted]
Online Response
Re: [redacted]
ID #: [redacted]
 
Dear **. [redacted]:
 
I am writing in response to the concerns expressed to your office by
**. [redacted] on 4/22/2014. I appreciate the opportunity to respond on
behalf of AllianceOne Receivables Management, Inc.
 
**. [redacted] states in his complaint that he is receiving repeated
calls from a [redacted] House.  These calls
are for someone **. [redacted] does not know and has never lived at **.
[redacted]’s location. 
 
At one point in time, **. [redacted]’s
number was provided as a good point of contact to reach our consumer.  Our
intent was to reach the consumer only, and not to cause any undue stress to **.
[redacted].  We apologize for any inconvenience we may have caused during
our attempts to locate our consumer.
Upon learning that the ###-###-#### was
not a good number to reach our consumer, and in an effort to resolve this
complaint, AllianceOne placed **. [redacted]’s number on our internal Do Not
Call list.  **. [redacted] will no longer be receiving calls from
AllianceOne at the number he provided.
We strive to
provide a positive customer experience while resolving account concerns, and we
thank you for bringing **. [redacted]’s concerns 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.

May 1, 2014
Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on April 22, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] stated in her complaint that this debt was...

paid in full and that she has submitted proof to that affect. She also stated that on several occasions she called to find out why the account was still showing as unpaid with the Credit Reporting Agencies CRAS). Additionally, [redacted] was told that AllianceOne would delete their tradeline and provide a letter of deletion. [redacted] states that this is negatively impacting her ability to refinance her home and would like the tradeline deletion letter she was promised.Allianceone was referred ticket ([redacted]) by [redacted] Police Commission on September 25, 2013 with a balance of 321.16. It currently has a balance of 62.16. We show a payment in the amount of 259.00 on September 30, 2013. We reached out to our client [redacted] Police Commission and they noted that [redacted]s check was dated September 20, 2013. Her check was not received and posted until September 30, 2013, and her account in the meantime was referred to Allianceone on September 25, 2013.[redacted] has been informed on several occasions by both the [redacted] Police Commission and AllainceCne that due to her late payment she still owed $62.16 on her ticket. Please be advised at this time as a gesture of good will we are waiving the remaining balance of $62.16.Please accept this letter as confirmation that on April 30, 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 ticket 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,

This company cancelled a payment from 2007. now say I owe $600 ,8 years later or Driver license will be suspended. What a crocked way to make your company profits.

December 5, 2014Dear [redacted]:
I am writing in response to the concerns expressed to your office by [redacted] on December 3, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in his complaint that he...

has not received any correspondence with regard to this debt and that it is being reported to the Credit Reporting Agencies (CRA’s).AllianceOne was referred account # [redacted] by [redacted] on October 9, 2014 with a balance of $426.16. Upon referral of his account a letter was sent on October 13, 2014 informing him that his account had been placed for collections. Our letter was returned on October 31, 2014 as undeliverable. We have also attempted to contact [redacted] four times by phone without success.
Our policy is to notify the consumer in writing of an account for collection and wait at least 30 days prior to reporting to any CRA’s. Unfortunately, the last known address provided to us by the creditor was not the current address for [redacted].If [redacted] has any questions concerning his account, he may speak with an agent at ###-###-####. An agent will be able to discuss his account in greater detail. In addition an agent may be able to provide him with payment options.
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

[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 Allianceone Receivables Management, Inc still hasn't shown any solid proof BY LAW that this account belongs to me. Allianceone Receivables Management, Inc practice's aren't applying with the Fair Debt Collections Act.  I want this account removed off of my credit report at once.
Thank you for your time,Shapell Davis

August 7, 2014
Dear [redacted]:I am writing in...

response to the concerns expressed to your office by [redacted] on July 30, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in his complaint that AllianceOne failed to provide him with validation within 30 days and are wrongfully credit reporting his account.AllianceOne was referred account (#[redacted]) by [redacted] on May 27, 2014 with a balance of $1732.72. On May 27, 2014 we mailed a placement letter to [redacted] to inform him that his account was referred for collections. On June 5, 2014 AllianceOne received a certified letter from [redacted] to cease communication and provide verification of his debt. We immediately ceased his account and marked as a cease communication. On June 12, 2014 we received additional correspondence from [redacted] requesting validation of his debt. A request was sent to our client that day.All collection activity was ceased at that point. When we did not receive validation from our client in 30 days the account would normally have been closed and the consumer notified. However, a failure in our process resulted in the account not being marked as a dispute but as a cease communications. As a result our system did not trigger the systemic control to generate a letter informing the consumer of the results of our dispute investigation or notify the credit reporting agencies to delete the trade line.Please accept this letter as confirmation that on August 1, 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 have returned [redacted]’s account to [redacted] for their handling. If he has any additional questions or concerns he may want to contact [redacted] directly at ###-###-####.We strive to provide a positive customer experience and apologize to [redacted] for any difficulties this may have caused him. We appreciate this matter being brought to our attention so that we may address the internal deficiency with the employee involved. 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.

I am writing in response to the concerns expressed to your office by [redacted]...

[redacted] on March 17, 2015. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that she attempted to contact AllianceOne and experienced difficulty, when she did get through that her call was disconnected and she never received a call back.AllianceOne was referred account [redacted] by [redacted] Bank on February 13, 2015 with a balance of $635.37. On February 23, 2015 our agent spoke with [redacted] she stated that she was not able to make any payment at the time but informed her she was able to make a good faith payment dated February 27, 2015. Our agent offered [redacted] a settlement of $420 which she states she would be able to complete the settlement amount in March.On March 11, 2015, our AllianceOne associate contacted [redacted] via phone and unfortunately the call was lost. We apologize for any difficulty [redacted] experienced contacting our company however; it is our policy that unless we have permission from the consumer that our agents are not permitted to contact the consumer more than one time per day. As we did not have permission from [redacted] no additional calls until [redacted] contacted our consumer hotline and spoke to one of our associates and her permission to contact her back was personally given to the agent to reach [redacted] on that specific day.However, before the agent was able to call [redacted], she did place another call to our office later that day and indicated that she wanted to reschedule the payment in the amount of $400.00 previously postdated for March 13, 2015 to a future date on March 27, 2015. Her payment was rescheduled per her request.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 AllianceOne Receivables Management

[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 response is to the incorrect person. You provided a response in regards to [redacted], that is not who I am and this is not in response to my complaint that I filed on April 22, 2014
Regards,
[redacted]

From: Carol E[redacted] <[redacted]@allianceoneinc.com>Date: Thu, Oct 22, 2015 at 1:11 PMSubject: [redacted]To: v[redacted]@myRevdex.com.org
font-size: small; font-family: arial, sans-serif;">Dear **. [redacted],
 
I would like to request an extension regarding **. [redacted]’s recent complaint so we are able to include the validation of debt **. [redacted] requested in her complaint. We appreciate your consideration regarding our request.
 
Regards,
 
Carol E[redacted]
Compliance Officer
AllianceOne Receivables Management, Inc.
Office: ###-###-####
Toll Free: ###-###-####
E-mail: [redacted]@allianceoneinc.com

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.
**. [redacted] states in her claim that the original balance on this account is different than the original balance that was turned over to AllianceOne.  Additionally, she states that fees were assessed to the account, and that AllianceOne will not correct the balance information on the account.  She states that she has made a payment and that it is not being reflected.
AllianceOne was referred an account #[redacted] from [redacted] Municipal Court on August 1, 2012. The balance on the account when it was referred to our office was $899.64. This amount includes the initial fee for the violation and the collection fee.    Additional fees were assessed by the court bringing the balance to $1247.35.  **. [redacted] did make a payment of $120.00 on June 6, 2013 leaving a balance of $1125.19.
Enclosed are the original ticket and court docket.  Below is a breakdown of charges:


Money Owing


Money Received


Violation


$756.00


$100.85


Collection Fee


$143.64


$19.15


Interest


$117.79


$0.00


Attorney Fee


$100.00


$0.00


Court Fee


$87.62


$0.00


Judgement Interest


$42.30


$0.00


Total


$1247.35


$120.00




Net Balance


$1127.35


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 still question the practices used by this company, but ultimately I just wanted my name removed from this company's database.Therefore, the response made by the business in reference to complaint ID [redacted], is satisfactory to me.
 
Regards, [redacted]. [redacted]

May 9, 2014
Revdex.com
0.0001pt;">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 May 7, 2014. I appreciate the opportunity to respond on
behalf of AllianceOne Receivables Management, Inc. 
**. [redacted] states in her complaint that she was told if she paid her
account in full that the tradeline on her credit report would be removed with
the Credit Reporting Agencies (CRA’s).
I contacted **. [redacted] May 7, 2014 as I was not able to locate an
account for her in our office. **. [redacted] stated that the original creditor
was [redacted] Hospital. She also stated that she worked with an office in
Tennessee to pay off her account.  I informed
**. [redacted] that we do not have any offices in Tennessee nor do we provide
collection services for [redacted] Hospital. 
I was able to provide **. [redacted] with a company name similar to ours
located in Tennessee  - [redacted]. Unfortunately, we are of the belief that **. [redacted] submitted
her complaint to the wrong company. 
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.

October 10, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on October 7, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.
[redacted] states in her complaint that she has...

a collection account and that interest is being accrued and she did not think that collection agencies could charge interest.AllianceOne was referred account # [redacted] by [redacted] College on April 24, 2013 with a balance of $3336.52. Her account currently shows a balance of $3908.48 which includes accrued interest. [redacted] College is a public institution of higher education of the State of Washington. The unpaid [redacted] College tuition is an obligation owed to a State of Washington educational institution. All obligations owed to the State of Washington accrue interest under the following statute:RCW 43.17.240-Debts owed to the state — Interest rate. Interest at the rate of one percent per month, or fraction thereof, shall accrue on debts owed to the state, starting on the date the debts become past due. This section does not apply to: (1) Any instance where such interest rate would conflict with the provisions of a contract or with the provisions of any other law; or (2) debts to be paid by other governmental units. The office of financial management may adopt rules specifying circumstances under which state agencies may waive interest, such as when assessment or collection of interest would not be cost-effective. This section does not affect any authority of the state to charge or collect interest under any other law on a debt owed to the state by a governmental unit. This section applies only to debts which become due on or after July 28, 1991.Accordingly, the interest being charged is allowable and appropriate under law.If [redacted] has any questions concerning her account, she may speak with an agent at ###-###-####. An agent will be able to discuss your account in greater detail. In addition an agent may be able to provide you with payment options.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

June 17,
2014
 
RevDex.com
Attention:
[redacted]
Online
Response
 
Re: [redacted] [redacted]
ID #:
[redacted]
Dear **.
[redacted]:
I am writing
in response to the additional information [redacted] provided to the Revdex.com
regarding a collection account listed on her credit report.  I appreciate the opportunity to respond on
behalf of AllianceOne Receivables Management, Inc.
With the
additional information [redacted] provided, our office was able to locate the
account in question to fully research this matter.  Our records show that on July 30, 2012
AllianceOne was referred an account for collection from our client [redacted] [redacted].  Please note it is
our practice to report unpaid accounts to the credit bureaus for [redacted].  Further research shows, that our client
reported the account as paid on December 24, 2012 and we updated the credit
bureaus to reflect the account as paid. 
At this
time, to resolve this complaint AllianceOne has submitted a request to delete its tradeline from [redacted]’s
credit report.  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 ###-###-####
 
Sincerely,
 
 
 
 
[redacted]
Compliance
Officer
AllianceOne
Receivables Management, Inc.