Allianceone Receivables Management, Incorporated

Review: I initially contacted this agency to dispute the account on my collections account. It was determined that the account belonged to my ex-spouse. The account was a collections from an automatic traffic ticket that could not verify the driver. I agreed to paid the account in full (though I did not cause the account) with the understanding the agency would delete the account from my credit report in order to repair my damaged credit score. Alliance One agreed to do this. After taking the full payment, I was told by the representative that "she didn't have the authority to delete the account but would update it to paid in full". I stated this was not the terms of the agreement, and asked for a supervisor. I was transferred to a supervisor that said the account could and would be deleted from my account on or around 3/17 and to check with the credit bureau in 10 business days. I called again on 3/29 and was told the account was to be deleted, and the agency sends updated reports on 4/7. I pulled my credit report on 4/10 and the account was still showing on my account. I called again today (4/12) to see what happened. The representative again told me the notes on the account stated it was to be deleted "but for some reason hasn't happened yet". I asked for a letter or memo stating this account was to be deleted and the representative refused, saying I would have to dispute it with the credit bureaus. I asked why this was necessary when their notes verified the account was to be deleted, and she could not provide an answer.Desired Settlement: I would like this company to send me a letter/memo on letterhead stating that this account will be deleted from my credit report, and said information has been forwarded to Equifax, Experian, and TransUnion along with an estimated resolution time.

Business

Response:

Review: I paid my bill in full and was told the trade-line would be removed. It has been moths and it still hasn't beenDesired Settlement: Trade_line removed IMMEDIATELY from credit report

Business

Response:

May 9, 2014

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 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.

Review: In September I received garnishment papers form Alliance One, that they issued in 2010 but never notified me about. I borrowed money from my grandma to pay so I didnt get garnished. At that time I asked them if there were any more accounts they had that they were planning on suing me for and they advised me no.On 11/15/2013, my human resources manager advised me she received garnishment papers for me from alliance one. This is ridiculous, I work hard and dont make much money. The company should not be able to get a judgemnt against you and not notify you for 3 years and charge you interest and late fees and then sue you for it. Then say they dont have anything to sue for and then turn around and sue you.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want a refund for all the late fees interest accrued from 10/21/2010 until 09/05/2013 totalling $1152.00 that I paid them.I also want to dispute the 3 other ite** they are trying to garnish without notice and they can pay those fees too.

Business

Response:

December 4, 2013

Review: Alliance One has come after me several time thru oput the years for accounts that do not belong to me. They actually belong to my cousin with the same name but differnet middle inital. They are collection for a hospital who continues to profide them with an incorrect phone number. After numberious time of calling the wrong number they obtained my CORRECT home numbe and spoek with my wife. she had eveything lined up to make payments but she died before be able to complete the payment. I was not aware of this account until I pulled my credit report and called. they continute to try to collection on my cousins bills. I told them I will not pay for a debt that doens't belong to someone else. but I did pay all of the accounts that belonged to me. Alliance continues to refuse to delete because they spoke with my deceased wife who handle all of our bills. She would have paid the accounts had she not gotten sick. Any help that could be provided I would greatly appreciete becase I am truly at a loss!Desired Settlement: Deletion of the accounts from my credit report and a way to change number number in there system to call my correct ohone number if an new accounts appear in their office.

Business

Response:

Review: I called and paid bill, confirmed address for receipt, called back a week later and asked why the receipt was never mailed. I was told the receipt was mailed but to a different address in another city that was not my address. Not sure why my address was changed, it was not the one I verified when I paid the bill with my credit card. I asked for another receipt to be mailed to my address, called a week later and was told it was mailed and to wait until Monday and call again. I called on Thursday, and was hasseled by the lady who answered the phone, [redacted] was the name given, and was sent to her manager's voicemail. I left a detailed message of what happened and I have never heard back. I paid this bill on 2/13/13, today is 3/12/13 and I still have not gotten the receipt. I am very disapponted I was treated in this manner when I have done nothing wrong.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want an apology for being treated so rudely and a copy of the reciept for my records. Thank you.

Business

Response:

Review: This company keeps calling me looking for a [redacted]. My caller ID says the phone number is ###-###-####. Our children are [redacted], [redacted] & [redacted]. I tell them each time I don't know this person they are looking for and they say they will remove my number from this file. 2 weeks later they call again & we go over the same thing each time & they say they will remove my number. I asked them how they got my number and they said they do an ultra strike search. I don't know this person nor how my name & number would come up searching for him. How can I get them to stop calling me? It's been going on now for 5 months.Desired Settlement: Removing my number from the companies data base for good

Business

Response:

July 11, 2013

Review: I contacted AllianceOne back in July to address a ticket that was sent to them for collection. The agent [redacted] that was my POC was rude uninterested in doing his core job of collecting and did nothing to assist and had done nothing but made 1 call/attempt to collect on the debt since it became part of Allianceone. b/c of [redacted]'s response I ended the interaction, and chose to make the payment via their website; I made several attempts to process the payment via their IVR and at least 3 via the online over 3 separate days, starting on the Sunday following my initial contact. Each time I attempted to process the payment for the $ amount provided the system would fail stating that the amount was incorrect. Every time it failed I provided feedback via the technical problems link. I was never contacted regarding my attempts, nor was I ever contacted again from allianceone or [redacted]. In the meantime it was brought to my attention that I was able to request a mitigation hearing on infractions/tickets which I did around a different situation and that was removed in late Oct. With that information, I was in the process of submitting the ticket that Allianceone for mitigation when this account was sent for garnishment in the amount of $444.24 had the company responded to any of my submissions in July the amount would have been max $256. and change. The garnishment of which I received notification on jan 24th was pulled from Jan 30th check taking 1/3 of my take home pay leaving me w/o the finical means to make rent

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I am requesting to be refunded for the difference of what was garnished $444.24 to what I owed and attempted to pay on in July. In addition I am requesting compensation for any late fees/overdraft fee I incur due to the wage garnishment. Had the appropriate steps been taking by the company back in July to respond to my attempts to make the payment and their websites issues these fees and additional charges would not have been incurred

Business

Response:

February 13, 2014

Review: Alliance One has been illegally reporting negative information about me to [redacted].

I have sent correspondence to Alliance One on 1/12/12 requesting the debt be "validated" as per my FDCPA rights, to which I received no answer. On 3/1/2012 the negative tradeline disappeared from my [redacted] report, only to be re-entered again on 5/23/2012 - another violation of my Federal Rights.Desired Settlement: I request Alliance One to remove the negative tradeline on my [redacted] as they refuse/cannot validate this debt.

Review: Reference Account # ac# [redacted]

I HEREBY DECLARE MY INTENT TO SUE

To whom it may concern,

The last correspondence I sent you company on May 20, 2014 pertained to a demand for validation. Your company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act (FDCPA Sec 809). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.Desired Settlement: I am allowing you a period of 14 days to remove the account from my credit report, after which I will pursue this matter in California Superior Court. I have brought this matter to the attention of the Attorney General’s Office. You may only correspond with me by mail and are to cease all collection activity pertaining to this account.

Business

Response:

July 22, 2014Dear **. [redacted]:I am writing in response to the concerns expressed to your office by **. [redacted] ([redacted]) on July 15, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.**. [redacted] ([redacted]) states in her complaint that she requested validation from AllianceOne on May 20, 2014, that we have not provided validation, that we are in violation of the Fair Debt Collection Practices Act (FDCPA), and that we are in violation for credit reporting.AllianceOne was referred account (#[redacted]) ticket (#[redacted]) on August 18, 2011 with a balance of $330.00. **. [redacted] ([redacted]) paid the balance in full on this ticket 7/21/2014. We have notified the credit reporting agencies that the balance has been paid and requested that they delete our tradeline for this ticket.A placement letter was mailed to **. [redacted] ([redacted]) on August 22, 2011. We have spoken with **. [redacted] ([redacted]) on two occasions September 7, 2011, and May 28, 2014. At no time on either of these calls did she request verification. It was not until June 30, 2014 that AllianceOne received correspondence requesting verification.The FDCPA does not apply to tickets as they do not meet the definition of consumer debt as defined in 15USC 1692a(5). Any FDCPA violations or requirements alleged in this matter are incorrect as a matter of law. Even if it were applicable, the request is beyond the 30 day validation period provided for in the FDCPA.We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing **. [redacted] ([redacted]'s) issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,

Review: Alliance Bank HAS CALLED MY WORK NOW 4 TIMES AFTER I TOLD THEM EVERYTIME NEVER TO CALL ME. I TOLD THEM I AM NOT ALLOWED TO RECEIVE ANY NON WORK RELATED PHONE CALLS AT WORK. THEY CALL ME AT 2:304:30 AM, 5:30 AM & 6:30 AM. [redacted] JUST CALLED ME AT WORK AGAIN & I JUST RECEIVED MY LAST NOTICE OT I AM FIRED!!!!!I WANT TO NEVER BE CALLED AGAIN ABOUT THIS AT WORK NOR MY CELL PHONE @ 2:30 TO 7:30 ON MY CELL PHONE AGAIN & NOW SINCE I JUST RECEIVED MY LAST NOTICE BEFORE I AM TERMINATED DUE TO THIS, I WAS THE ACCOUTN CREDITED FOR THE BALANCE, THIS IS RIDICULOUS THAT I HAVE TOLD THEM TO NEVER CALL ME AT WORK & THEY COULD CARELESS, THEY KEEP CALLINGDesired Settlement: DUE TO THIS, I WANT THIS DEBT WIPED OUT & SOEMTHING NEEDS TO BE DONE ABOUT THEM NOT CARING ABOUT MY CAREER. IF I LOOSE MY JOB, I WILL SEE THEM IN COURT FOR ALOT MORE THAN WHAT THEY ARE ASKING FOR

Business

Response:

March 10, 2014

Review: I had called alliance one about an unknown parking ticket that they had recieved for colletions. They told me that if I paid this ticket they would not proceed to send my collection information to the credit bureaus. I called back to make sure to get the correct amount. After recieving another collection notice from them on 5/28, I called again to ensure this was, indeed, the same collection. They said this was the same collection and they had not recieved the payment I had sent them. I told them I would be happy to just pay over the phone as long as my credit would remain unaffected, they denied this. They said the collection had already been reported to my credit and that I could pay to show a $0 balance on my credit report. However this is still negative credit information, and I refused. I tried to talk to a supervisor, and of course I got a voicemail.Desired Settlement: I would like the business to accept my payment in full for the amount of the original collection, and reply to all 3 credit bureaus that this was an inaccurate report, for the collection report to be deleted from my credit reports as was agreed, with a copy of each of the three letters sent to me personally. This is the only apology needed. If they wish to do so, I will revise my Revdex.com claim, and WA attorney general complaint as resolved.

Business

Response:

Review: I have attempted to reach out to company several times regarding inaccurate information on my credit reports. I demand company validate in a timely manner or remove from my credit file. I have absolutely no knowledge of this debt and demand to have it removed from all three credit reporting bureaus. If not removed. I will be forced to report to FTC< FCBA, Insurance Board, Media, Attorney General, [redacted] News Fixer Complaints.Desired Settlement: remove asap from all 3 bureaus

Business

Response:

From: [redacted]

Date: Mon, Apr 22, 2013 at 10:54 AM

Subject: FW: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint #[redacted].

To: [redacted]

Cc: [redacted]

[redacted] – Attached please find AllianceOne’s response to the below Revdex.com complaint. Thank you. [redacted]Compliance SupervisorAllianceOne Receivables Management, Inc.

Review: I received a a collection notice from Alliance One, shortly after I proceeded to begin negotiations with for mentioned company. I had agreed to begin a payment plan and made a good faith payment up front. Approximately a week later my bank alerted me of fraudulent activity in my checking account. My current bank card was being used in the state of California and I reside in Virginia. I did not lose my card, bank statements can show I used my card just a couple hours before the charges. The only plausible explanation is that my information has been compromised, Alliance One are the only people that have that information other than myself. I do not believe in coincidence's and am under the strong impression that someone from their company either used or sold this information. I am extremely uncomfortable with the fact that they have my social security number and will not resume any negotiations until I can be relieved of these doubts.Desired Settlement: I do not want to settle this debt with Alliance One, I no longer trust their services. I do however want to do the right thing and repay my debt, I would like the ability to work directly with capital one or a different service provider.

Business

Response:

Review: This company has not sent me any correspondence on this matter yet they added a debt to my credit report and I do ot know who they are or who they represent. I would prefer they send me correspondence first before going on my credit report. I am in trying to rebuild credit after a divorce.Desired Settlement: DesiredSettlementID: Other (requires explanation)

to remove from credit report through settlement or other means.

Business

Response:

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 ECompliance Officer

Review: I owe a ticket to [redacted] Municipal Court and unfortunatelly I send the request for a modification one day too late. It was transfered to AllianceOne and I applied for contesting the ticket to see if [redacted] Municipal Court will reduce the amount. In the meantime AllianceOne still continue charging interests while I was in the process of hearing from them. I think this is a wrong practice and should stop interest as you contest the charges.Desired Settlement: Refund me the interests charged during the waiting period to hear from them

Business

Response:

October 9, 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 a ticket he tried to modify through [redacted] Municipal Court and it arrived to them late and his account was referred to AllianceOne. He states that AllianceOne is applying interest to the accounts during the process of attempting to obtain a hearing from the court.AllianceOne was referred two accounts # [redacted] ticket # [redacted] and account #[redacted] ticket # [redacted] both from [redacted] Municipal Court on July 24, 2014 and November 12, 2013 with balances of $250.59 and $44.28 respectively. They currently show balances of $263.11 and $47.45 which includes accrued interest. In the state of Washington the person receiving a violation has 15 days to respond to their ticket. Since [redacted] did not respond in the allotted 15 days he was found guilty and his accounts assigned for collections and is responsible for certain amounts under State law. (See RCW [redacted] provides: Penalties, fines, bail forfeitures, fees, and costs may accrue interest at the rate of twelve percent per annum, upon assignment to a collection agency. This account began accruing interest upon assignment at the rate of 12% per annum, or 1% per month.) If [redacted] Municipal Court agreed to reduce his ticket the interest would be reduced proportionately. Additionally if the client decided to cancel the ticket the interest would also be cancelled.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

Review: AllianceOne keeps calling my work phone that I do not pay for nor have any type of ties with my own information. I have asked them numerously to stop calling, but they still continue to. It is unethical and unprofessional.Desired Settlement: Please stop calling me. If you have a concern, then it needs to be through postal correspondence.

Business

Response:

December 10, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on December 8, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in his complaint that AllianceOne agents continue to call his phone belonging to his employer and that he has requested that the calls not continue.AllianceOne was referred account # [redacted] by [redacted] Bank on November 24, 2014 with a balance of $390.81. Upon referral of [redacted]’s account a placement letter was mailed to him on November 26, 2014 informing him that his account had been placed for collections. We have reviewed all calls made on his account we have attempted to reach [redacted] by phone on 7 occasions. Four of the calls went to voice mail and no voice mail was left. One call was a no answer and 2 he hung up after identifying himself to our agent. At no time did he request that calls stop to any number. We have however ceased the numbers we have on his account.If [redacted] has any questions concerning his account, he may speak with an agent at [redacted]. 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 ECompliance Officer

Review: I have requested ownership papers on account number [redacted] along with all information company has on an account which I am sure does not belong to me. this is a acompany error in reporting yet to date they continue to show on my credit report for a nominal blance of $115.00 which I refuse to pay what I as they know is incorrect.Desired Settlement: proof on account or deletion along with all tradelines and inquiries removed from my credit report asap

Business

Response:

July 15, 2013

Review: Below is my last correspondence sent to Alliance by mail:

Re account number: # [redacted]xxxx & #[redacted]xxx

I HEREBY DECLARE MY INTENT TO SUE:

To whom it may concern,

In correspondence addressed to your institution dated 5-2-2013, your company received my request for validation of the referenced accounts, which you have ignored. Yet in violation of the Fair Debt Collection Practices Act your companies neither provided me with validation of the accounts, nor were the accounts removed from my credit report.

I have lodged complaints with the California Attorney General’s Office and the Federal Trade Commission.

I am setting a 30 day deadline, following which I will proceed to file suit against your company in the event that you do not remove the accounts from my credit report. You are to cease all collection activity and address all correspondence to me via mail.Desired Settlement: Deletion of accounts from credit report

Business

Response:

July 29, 2013

Review: Constantly calling my work and other third parties phone numbers. Following this complaint I will also be contacting the FTC for violating my consumer rights. They call my work, co-workers, and family members. If one more call comes to my place of employment I will lose my job. I have spoken to them several times asking them to please send me proof that this so called debt exists via the USPS and not to contact me especially at work. Since I have no idea what their address is, this will publicly serve as my cease and desist request:

To Whom It May Concern: This will serve as your legal notice under the FDCPA to cease all communication with me or anyone that I may know in regards to this so called debt. Do not contact me at ###-###-####, ###-###-####, ###-###-####, ###-###-####, ###-###-####, or any other third parties regarding this so called debt. Furthermore, I formally dispute the validity of this debt. Please provide me with the documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount. Please send me copies of the original application for this account, my signature associated with the account, and any bills associated with this account, etc via the United States Postal Service. Please also be advised that a formal complaint has been filed with the FTC regarding your illegal business practices. Thank you for your immediate attention to this matter.Desired Settlement: Proof of debt

Business

Response:

September 11, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on September 4, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that AllianceOne constantly calls her place of employment and third parties in an effort to contact her. She states that if there are any more calls to her place of employment she may lose her job. She states she has spoken with AllianceOne several times and asked us not to contact her at her place of employment and that she would like proof that the debt we are attempting to collect exists. [redacted] is requesting that we cease and desist and is disputing the debt.AllianceOne has made multiple phone calls and sent multiple letters to [redacted] however we have never spoken with her regarding this debt or received any correspondence and have no record of any type of cease request. We have reviewed our call records, while we did leave messages with third parties, at no time was the nature of the call or the existence of the debt revealed to any third party.[redacted]’s account has been returned to [redacted] for as of September 5th, 2014. She may contact them directly at [redacted] if she has further questions regarding this 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 ECompliance Officer AllianceOne Receivables Management, Inc.

Review: Company calls me frequently from ###-###-#### looking for someone who does not, and never has, lived at my location. The call-back number is for someone named [redacted] @ ###-###-####.Desired Settlement: Remove my name and contact information from the AllianceOne database

Business

Response:

April, 24, 2014

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 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,

Compliance Officer

AllianceOne Receivables Management, 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. I regret that the situation had to regress to the point where I had to file this complaint. However call-back number in the robo-calls I kept receiving was never answered when I called it. I thank Alliance One for their speedy resolution.

Regards,