Allianceone Receivables Management, Incorporated

Review: They send me bills and call and when I ask for a web site they tell me they can not provide one. They are claiming to be a debt collector for [redacted]. I have search the internet can not locate any information on them to verify that they are legitimate collection agency.Desired Settlement: That they provide me with a web site to make payments on and verify that they are a legitimate Company. If they can not comply then they should discontinue contacting me return debt back over to [redacted] or another legitimate collection agency that has a web site.

Business

Response:

October 31, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on October 28, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that AllianceOne sends her bills and calls her. She states she requested a website to make her payments and the agent could not provide one.AllianceOne was referred account # [redacted] by [redacted] on August 11, 2014 with a balance of $398.65. Upon referral of [redacted]’s account a placement letter was mailed on August 12, 2014 informing her that her account had been referred for collections. Additional letters we sent to her on September 23, 2014 and October 15, 2014. None of our letters were returned so we believe that [redacted] received them.Our agents have spoken with her three times August 11, 2014, August 28, 2014 and October 28, 2014. [redacted] stated on the August 11, 2014 call that she had already made a payment. Our agent advised her that no payment had posted to her account. On the August 28, 2014 call [redacted] stated that she could pay $20.00 per month but that she would only make her payments with a money order. On October 28, 2014 we again spoke with [redacted] she stated that she was going to contact the Revdex.com because she did not believe that we are a legitimate company. As of October 30, 2014 no payments have been received from [redacted] on her account.[redacted] requested website information to make her payments. Our website can be found at http://www.allianceoneinc.com/ and we are members of the Revdex.com (Revdex.com). Unfortunately payments for [redacted] accounts can only be made by phone using a credit card or checking account, or by mail with a money order or personal check. If [redacted] has any questions or concerns regarding her account she may speak with an agent at ###-###-####. An agent will be able to discuss her account in greater detail and may be able to offer payment options.She may mail payments to:When mailing in payments she will want to note her account number on her check to ensure proper posting of her payment.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: Alliance One contacted me regarding my spouses debt. My spouse is stationed in [redacted]. I told the agent if they wanted me to pay the bill that I would need written proof provided to my [redacted] address. They refuse to provide written proof, but the agent chooses to contact me just about on a daily basis to question me regarding my spouse (Where is he , when will I speak to him, etc.) I told her to contact him. I don't have a contact number for [redacted], as the call would be too expensive for me to afford. If Alliance wants me to pay then bill then they need to send me proof. If they choose not to provide proof then I want them to stop call me NOW! The debt is not in my name and I am NOT responsible to pay the debt. I want the harassment to stop.Desired Settlement: Alliance One can either send me proof of debt or stop calling me.

Business

Response:

Review: Hello! When checking my credit report this year, I noticed an account that was in collections with Alliance One. The original account was with [redacted] of Ohio. At the time, there was also a fraudulent account with [redacted]. I completed an affidavit, filed a police report and provided evidence of where I truly lived during the period in question. [redacted] and [redacted] have removed all the fraudulent items from their reports. I am having issues with [redacted] doing the same for the Alliance One entry. Is there anything that can be done? [redacted] indicated that Alliance One verified the information. They could not have. Even though I did not open this account, I paid the $77.00 to a [redacted] representative over the phone to try to clear it up. Can someone there request that it be cleared from the [redacted] report? What more documentation do you need that would allow you to do this? I have mailed this request to the Alliance One office along with the documentation and have heard nothing.

Thank you,

[redacted] Allianceone; Collection Reported 04/2014; Assigned 02/2014; Creditor Class - Utilities; Client - [redacted] OH; Amount - $77 ; Status as of 04/2014 - Unpaid; Date of 1st Delinquency

09/2013; Balance as of 04/2014 - $77 ; Individual Account; Account # - [redacted]; ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in ProcessA;d dress: [redacted] PA [redacted] : ###-###-####

(For your security, the last 4 digits of account number(s) have been replaced by *) (This section includes open and closed accounts reported by credit grantors)Desired Settlement: Collection entry removed from credit report.

Business

Response:

July 10, 2014Dear **. [redacted]I am writing in response to the concerns expressed to your office by **. [redacted] on July 7, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.**. [redacted] states in his complaint that when checking his credit report he noticed two accounts that had been fraudulently opened in his name. **. [redacted] stated that he filed a police report and provided all evidence necessary to prove that the accounts in question were not his. **. [redacted] states that [redacted] and [redacted] have removed our tradeline from his credit report; however [redacted] will not remove the tradeline.AllianceOne was referred account (#[redacted]) by [redacted], OH on February 21, 2014 with a balance of $77.34. On June 10, 2014 **. [redacted] sent an e-mail to our on-line complaint portal and requested verification of the debt which was provided to him at that time.On June 12, 2014 we received a fax from **. [redacted] stating that this account was fraudulent and included a police report. Additionally, on June 25, 2014 we received a letter from **. [redacted] which included ID Theft paperwork and affidavit. On July 7, 2014 **. [redacted] submitted another e-mail to our on-line complaint portal asking that our tradeline be removed.Upon reviewing **. [redacted] June 10, 2014 e-mail we determined that we were unable to validate the account and he was likely correct in his dispute. On June 11, 2014 his account was closed on our system and returned to [redacted] and marked for credit bureau deletion. A deletion file is sent weekly to the Credit Bureaus (in this case June 16th) for updating. We also submitted an E-Oscar request to have the tradeline removed and responded to **. [redacted] with our E-Oscar confirmation number [redacted] on July 7, 2014. 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]' issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,

Review: AllianceOne has placed charges for collection of parking fines levied by the City of [redacted], WA. These parking fines were for parking in front of my own house due to my misunderstanding of how the parking system works. I have paid over $3000 in collections to AllianceOne to settle these charges. However, there are still charges listed on my credit report.

I have attempted to contact AllianceOne on multiple occasions. The first time, they refused to explain what the charges were for. They became very hostile on the phone and hung up on me.

More recently, I attempted to contact AllianceOne via telephone. I do not know when to call them. Their business hours are not listed on their website. They have voicemail set up, but I am unable to leave a message because it will not accept any more messages.

Basically, they are impossible to work with and behave in a very unfair manner.

Additionally, I have received no contact from AllianceOne prior to receiving derogatory remarks on my credit report. They are a collections agency. And yet they have made no effort to collect anything. They just file a negative credit report and then seemingly evade contact. An absolut[redacted] rubbish company.Desired Settlement: 1. Remove the following derogatory accounts from my credit information:

2. List their business hours on their website.

3. Correct their voicemail issues, including updating their voicemail message with their business hours.

Business

Response:

[redacted]

[redacted],

PA [redacted]

Please send all correspondence to the

above address

Review: In conversation with Alliance One, I was given a $4,000 balance offer & I informed them that I would give them a call back, that I needed to talk with my son about it, (since it was his actual account & they had harassed him to the extent that he could no longer handle the stress of this situation any longer I needed to take this over)& I would get back with them the next day. I called Alliance One back the next day & they informed me that this offer was no longer an option. This was an agreement that both parties fully understood I totally understand why my son became emotionally unstable when dealing with this company. I have also been treated wrongly & they're tactics are unprofessional right from the beginning. It is as if you are not even human. I am not sure where to go from here, but I know Alliance One should not be in business. I believe everyone understands that these bills are theirs, the interest however is almost criminal in itself, but to be treated like this is simply not right. Bottom line is that you do not lie when making a business agreement. This rude trickery & bad business ethics should be stopped.

[redacted]Desired Settlement: I would like for [redacted] balance, which is my son who I was calling upon, to be set back to $4000.00. The balance that was agreed upon.

Thank you,

Business

Response:

December 4, 2013

Review: They sent me a letter saying they are collecting for [redacted] Superior Court fee who they say I owe $554.00 to. I've never been to [redacted] so I could never have had anything to do with [redacted] Superior Court.Desired Settlement: I want my credit rating protected and want them to stop contacting me.

Business

Response:

August 21, 2013

Review: I received a bill from Alliance One indicating that I owed a [redacted] bill. I have not lived at [redacted], Ky., since February of 2014. The current owner had not up until August change his name on the gas bill, therefore [redacted] sent my name to a collection agency. When I contacted the collection agency, "Alliance One", I ask them to remove the mark on my credit. They said they couldn't do that. I am asking for you to contact them to correct this problem and fix the mark that has been placed on my credit history. Since I no longer own this home and this was an error on the current property owners.Thank youDesired Settlement: To have my credit report fixed with this being removed from my credit report.

Business

Response:

November 7, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on October 29, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in his complaint that he received a bill from AllianceOne indicating that he owed a balance to [redacted] at an address he has not lived since February 2014. He states that the current owner did not change the account into his name as of August 2014. He wants the accounts credit reporting removed and the problem with the name on the account fixed.AllianceOne was referred account # [redacted] by [redacted] on August 25, 2014 with a balance of $218.73. Upon referral of [redacted]’s account we mailed a placement letter on August 26, 2014 to inform him that his account had been referred for collections. . On October 29, 2014 a woman contacted our office and identified herself as [redacted]’s wife, she stated that they do not own the property and that this bill is the new owners’ responsibility and that she wanted the AllianceOne tradeline removed from her husband’s credit report. She was advised that we would not be removing the reporting as we are reporting the debt accurately to the credit bureaus as no name change had been reported to [redacted].We contacted [redacted] to confirm that they have no record of [redacted] contacting them to disconnect his service. Service was removed from his name when the new owners requested connection on June 19, 2014. [redacted] considers this a valid debt and that [redacted] is responsible for the usage while the service was in his name.If [redacted] is able to provide proof that he was not responsible for the service address and that he discontinued his service we will review that information with our client [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 ###-###-####.Very Respectfully,Carol ECompliance Officer

Review: I had traffic citaions in WA. I was given a fine which I have paid in full. The case was given final dispositon on May 23, 2011. It has been about 26 months since the case was resolved. On my court documents there is no notation of any restitution that was to be paid. Alliance one sent me a bill demanding $2269.21 which includes $359.19 in interest. When I called them to ask them what this was all about they just kept demanding my place of employment, SSN, date of birth adn other confidential information. Since I didn't give that information I was told we are not going to tell you anything. They say they are representing dept of transportation. How can I be billed 26 months after the fact. It wasn't on my court documents therefore I shouldn't be liable. My attorney at the time was [redacted], reviewed the paper and he concurs that there was no restituion to be paid per the court of pierce county. His number is [redacted]Desired Settlement: No money should be owed because it isn't notated on my paperwork.

Business

Response:

Review: Account number [redacted] do not belong to myself and never have. I have requested ownership papers on this account along with usage such as credits, debits, id's used to open all and nothing has been done to date. they continue to reflect on my credit report which they do not belong to me and never haveDesired Settlement: deletion of accounts [redacted] and [redacted] from my credit reports asap

apology

deletion of inquiries, tradelines everything affiliated with these accounts which belong to others

Business

Response:

July 25, 2013

Review: Item listed on my credit report. Please provide detail of information for account # [redacted] so that dispute can be resolved and removed from credit file.Desired Settlement: Removal from credit file

Business

Response:

December 11, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on December 3, 2014. appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] requests verification of a matter reported by AllianceOne to her credit file.AllianceOne was referred account #[redacted] by [redacted] County Superior Court on August 28, 2012 with a balance of $300.00 for allowing a suspended driver to drive. Prior to being referred to our office the court reduced the balance of her ticket to the $300.00 reflected above. Payments in the amount of $250.00 have been recorded with AllianceOne. At this time having conferred with our client the balance of $50.00 is accurate.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

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because: I was under the understanding that the $300 was paid in full. I would like to make an immediate payment of $50 and have collection item removed from credit.

Regards,

Business

Response:

December 12, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on December 12, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in the rejection of our response that she believed her fine was paid off and wants to make immediate payment to resolve in full. She is also requesting that our tradeline be deleted.As mentioned in our previous response AllianceOne was referred account #[redacted] by [redacted] County Superior Court on August 28, 2012. The current balance on her account is $50.00. If [redacted] would like to make a payment on her account she may speak with an agent at ###-###-####. An agent will be able to discuss her account in greater detail and will provide her with payment options available to her.[redacted] should be advised that it is our policy is that once an account is satisfied the matter is returned to the Court and our tradeline is deleted.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

Consumer

Response:

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

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

Regards,

Review: Hello I had payment arrangments set up with this company I provided them with my email as well as a phone # I gave them my credit card # and confirmed the payment dates. The 1st payment went thru no problem the 2nd didnt go thru which was scheduled in Feb. In March I called because the 3rd payment had not came out at that point I was told call back their phone lines were down I was calling [redacted] and she could not assist me. I work Monday thru Friday from 8am to 5pm so it is hard for me to find time to call. I called again on 3/22/14 spoke with Sarah G[redacted] at that time was told my arrangments were cancelled and there was nothing they could do. So I made another payment I advised her at that time I would call back to pay. I called on 4/22/14 and spoke with Christina and made another payment and told her I would call in June to pay the final amount at no point did they mention I had a limited time to pay this so in May I called scheduled a final payment for 6/13/14 on 6/5/14 I receive a letter from the court who I originally owed the debt to and said I had until 6/25/14 to pay. Then I received a letter from Alliance saying they cancelled my final payment because the court pulled my account back. I then went to the court they said that was not true this company does this all the time. I have made over 7 calls to this location since June trying to resolve. Spoke with Jose J[redacted] finally a supervisor who said he would see what can be done and for me to call him. I have called him 4 times since 7/24/14 and left message after message with no response. I am really frustrated I am spending my breaks and lunches to resolve and they are trying to tell me I owe another $300.00 which doubles the original debt. I called today for a different supervisor and was left on hold over 17 minutes and at that point disconnected the call.Desired Settlement: At this point I just want to resolve the debt I am trying to clean up my credit and this is not helping the matter. I also am a single mother of 2 who cant afford to hand over another $300.00. I would really like to just pay the final $78.00 and a call back to resolve the issue. I appreciate any help in this matter. Thank you

Business

Response:

August 7, 2014Dear [redacted]I am writing in response to the concerns expressed to your office by [redacted] on July 31, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint that she established a monthly payment arrangement using her credit card that the first payment went through but subsequent payments did not. She finds it difficult to contact us due to her work schedule. She states that when she did make contact with our office she was informed by our agent that her arrangement had been cancelled and that she was not informed that there was a limited window to complete payments on her ticket. She states she was misinformed by our agent that her account had been returned to our client and her final payment cancelled. [redacted] states she spoke with a supervisor who offered to assist her but has not been able to get back in touch with him.AllianceOne was referred ticket #[redacted] by [redacted] County District Court on July 1, 2014 for a no hands free device/insurance violation with a balance of $378.26. [redacted] contacted our office on July 3, 2014 she stated she didn’t understand why the court referred her account to collections. A supervisor from AllianceOne tried to contact [redacted] on July 31, 2014, but was not able to reach her. If [redacted] would like to speak with a manager she may contact Jon B[redacted] at ###-###-####.[redacted]’s balance remains at $378.26. To be clear AllianceOne never returned [redacted]’s account to the court. The Court has confirmed that they cancelled [redacted]’s payment arrangement due to her failure to make her June 6th payment to the court on time. That failure prompted the Court to add the fees and place the account into collection. This decision is solely the discretion of the Court and AllianceOne has no ability to waive the fees involved.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted]’s issues to our attention and we would be happy to help her establish and new payment plan on the revised balance. 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.

Review: Attn: Alliance

The last correspondence I sent you company on Feb 20, 2013 pertained to a demand for validation for ac# [redacted]XXXX; ac# [redacted]XXXX; ac# [redacted]XXXX . Your company responded back by simply sending me a demand to pay, which was accompanied by a copy of a ticket that belonged to someone by the name of [redacted].

Hence your company has failed to provide me validation of the accounts and at the same time persevered with collection activity. 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 accounts from my credit report.Desired Settlement: I am allowing you a period of 14 days to remove the accounts from my credit report, stop all collection activity and close the accounts. In the event of your failure, 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 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] County Superior Court January 6, 2011 Unlicensed Driver $545.00[redacted] County Superior Court June 16, 2010 DUI $1599.00[redacted] County Superior Court February 10, 2011 Resisting an Executive $545.00 officer and battery on a peace officer TOTAL $2884.00The 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,

Review: This is the 2nd year in a row that this company has let a balance due sit for a year with out contacting us and let a $48 balance run up to a $500 garnishment. We haven't recieved any calls, voicemails, emails or mailings about this balance due but there is now a garnishment for 10 times the balance due. I had this same problem last year and the supervisor Todd is who I dealth with. I am blown away that this is allowed to happen to people. I tried to call today and the customer service agent Olivia blamed me for this happening and when I tried to explain to her she got louder and so did I which ended up getting me hung up on.Desired Settlement: I would like to pay the $48 balance in full and would like to see the rest of the settlement wiped clean.

Business

Response:

October 6, 2014Dear [redacted]:I am writing in response to the concerns expressed to your office by [redacted] on September 30, 2014. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.[redacted] states in her complaint she was not notified for more than a year about an outstanding $48.00 balance and now she is being garnished for much more than the original balance and that she called our office and was treated rudely.Unfortunately we are unable to locate an account for her with the information provided. Please provide additional information such as: the full account number, name of the original creditor, and type of account. Your social security number, date of birth, and/or address would also help to identify her. This is done to ensure that we are respecting our consumer’s privacy and aren’t improperly disclosing information.We tried to reach out to [redacted] in an effort to locate her account and address the concerns outlined in her complaint, however she did not respond to our calls.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

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...... BUT...... This issue was not about myself but was in reference to my boyfriends account... [redacted] Graham, please see attached. The local office in [redacted] found they garnished him in error AGAIN, they cancelled the garnishment and sent us a paid in full letter for all [redacted] accounts. I also received a letter with 1 account in my name from 2012 that showed paid in full but that was not something I requested. I am hoping that this doesnt happen again as all accounts have been paid and are in a paid status. We are now just waiting for our employeer [redacted] to refund [redacted] his money that was wrongly taken from his paycheck last week. I am the POA on [redacted] accounts with Alliance One and that is why I filed this complaint on his behalf. I was dealing with manager Tood A[redacted] in the local office and he is who caught the error after I left him a voicemail and fixed everything.

Regards,

Review: I have college tuition in collections with Alliance One in [redacted], WA. The company is charging interest on my tuition since it has been in collections. I thought collection agencies could not charge interest on accounts.Desired Settlement: I will continue to make payments but only on the remainder of the original amount that was put into collections. All payments that have been made so far will be reflected on the original amount. All the interest that was charged will be taken off and I will pay the remainder of the original amount. No other interest will be charged to my account.

Business

Response:

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 ECompliance Officer

Review: This collection account [redacted] showed up on my cedit report 2 months ago. I have sent 2 letters to them asking for debt validation on this acocunt. Not only have they not sent me any response but they have not updated this account on my credit report to state "in-dispute" as per FCRA law 15 U.S.C. 1681s-2(a)(3). [redacted] has sent me reports stating that this account was "verified" but it has never been validated to me.Desired Settlement: Since they are in violation of FCRA law and they have not responded, I want this account removed from my file.

Business

Response:

May 17, 2013

Revdex.com

Attention: [redacted]

Online Response

Re: ID# [redacted]

[redacted]

Dear [redacted]:

I am writing in response to [redacted]s concerns expressed to

your office. Thank you for the

opportunity to respond on behalf of AllianceOne Receivables Management, Inc.

A total of three matters were placed for collection with AllianceOne in

[redacted]’s name by our client, [redacted] County.

On June 18, 2009, a citation was referred for collection to

AllianceOne. On September 18, 2012, a

notice of dispute was received from [redacted] regarding this particular

citation and collection activity was ceased.

Though this citation is still

outstanding, a request was made on October 29, 2012 to delete this account from

[redacted]’s credit reports. Attached is

a copy of this citation for [redacted]’s records.

On October 17, 2011, a second citation was referred for collection to

AllianceOne in [redacted]’s name. On

April 16, 2012 a dispute notice was received from [redacted] regarding this

particular citation and collection activity was ceased. Though this citation is still outstanding, a

request was made on October 29, 2012 to delete this account from [redacted]’s

credit reports. Attached is a copy of

the citation for [redacted]’s records.

On August 21, 2012, a third citation was referred to AllianceOne in [redacted]’s name. On March 20, 2013 a

dispute notice was received from [redacted] regarding this particular citation

and collection activity was ceased.

Though this citation is still outstanding, a request has been made to

delete this account from [redacted]’s credit reports. Attached is a copy of the citation for [redacted]

[redacted]s records.

If [redacted] has any further concerns or questions regarding any of

the outstanding citations, he may contact our office at [redacted].

Sincerely,

Compliance Supervisor

AllianceOne Receivables Management, Inc.

v

Business

Response:

Complaint ID [redacted]

Inboxx

May 17 (3 days ago)

to me

[redacted] – the attachments to this complaint did not send – I am attaching them here. Thank you [redacted]Compliance Supervisor

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

Review: This company contacted me about a bill that was originally with [redacted] I quickly made payment arrangements with the contigency that no negative credit reporting would be reported as long as I keep my end of the bargain... Well the balance was 150.00 it's know 100.00 and they still reported negatively to the credit burea. So I called this morning and requested a manager and told him the situation and he was very rude and said no even though thats what I was told I even tried to pay the account in full if they gave me a deletion letter he declined was very rude and hung up.Desired Settlement: I want this negative ccredit reprting deleted because I held my end of the bargain.

Business

Response:

Review: Allianceone Receivables has continued to report to the three major credit bureaus negative information regarding a [redacted] bill which was paid on January 24, 2008. The same account has been removed from Allianceone Receivables and returned to [redacted].

Review: Allianceone Receivables no longer has the [redacted] account however they are reporting it to the (3) three credit bureaus as if they do retain the account. All attempts at contacting this collection agency has failed. The collections agency continues to give excuses that the supervisor [redacted] is unavailable, and she fails to return phone calls.Desired Settlement: I am requesting a correspondence from this company that indicates that this billl has been paid and that Allianceone Receivables no longer has this account and it should be removed from my credit bureau report immediately.

Business

Response:

July 23, 2013

Review: In trying to understand what I am paying the collector for: they wont release any information, and neither will I in fear that it may be a scam. It has taken a whole week to get any type of response.Desired Settlement: All of the information received on the account.

Business

Response:

10 - 02 – 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 : 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.

Review: Having never received notice via mail or telephone, I was surprised to find outstanding collections accounts resulting from two unpaid parking tickets, which were being handled by Alliance One Receivables. I was unaware of any attempts to make contact with me, and I am not someone who avoids calls or mail. A hand-waving explanation that attempts were made through various routes did not satisfy me: I've been associated with the same phone number for over nine years, and my mailing address has been updated with all municipal, state, and federal agencies consistently and in acceptable time frames following relocations. When I requested a description of the numbers and addresses used by Alliance One to attempt notification I was told, curtly, those details would require a subpoena.

I paid the balance on these accounts to Alliance One, but this lack of transparency is unacceptable in seeking to remedy what is either a gross data entry error, or a business practice that does not exercise diligence in obtaining correct client information.

The damage to me due to credit bureau reporting has already been done, but I need to find out how this happened, to avoid it in the future.Desired Settlement: To resolve this issue, I need to receive a letter containing records of each instance in which an attempt was made to contact me, the phone number and address used in each instance, and the name of the service or agency that provided the information.

Business

Response:

October 17, 2013

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 three accounts from the [redacted] Municipal Court. Account #[redacted] was referred to us on 10/4/12, account #[redacted] was referred to us on 10/25/12, and account #[redacted] was referred to us on 10/3/13. Initial placement letters were sent to **. [redacted] address on file: [redacted], [redacted] WA [redacted] on 10/12/12, 10/29/12, and 10/7/13 respectively. Our records also show that we attempted to reach **. [redacted] by phone numerous times, but with no success. The only contact we had with **. [redacted] is when he paid off the accounts. The address and phone number for **. [redacted] were supplied to us by the courts.

There is no requirement that notification be made to **. [redacted] regarding a ticket prior to reporting to the credit bureaus. However, in the interest of creating a positive customer experience, AllianceOne has requested the removal of our trade lines on **. [redacted] credit report.

Please accept this letter as confirmation that on October 17, 2013 AllianceOne submitted a request to the credit bureaus to delete its tradelines from his credit reports. Our request was submitted electronically (via E-Oscar, confirmation #[redacted], [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.

If I can be of further assistance, please do not hesitate to contact me at ###-###-####.

Very Respectfully,

Compliance Officer

AllianceOne Receivables Management, Inc.

Consumer

Response:

[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]

Review: [redacted]

I am rejecting this response because:

Review: On March 5, 2013, around 5:30pm Central Time. I contacted Alliance One regarding derrogatory information being reported by them to my credit agencies. It is showing that [redacted] sold my account to Alliance One to recover a payment of 413.00 that actually belonged to my ex-wife. I didn't know this information was being reported to them until I applied for a credit loan. I called and spoke with [redacted] @ [redacted] who is handling my account # [redacted]. I explained the situation and that I would be willing to pay for the charges even though they were put on my file. In return, I asked if I could have this item removed since it was put on there by mistake. She said no, I then asked to speak to a Manager. [redacted], Manager came to the phone with a very nasty attitude, I explained to him the situation and he told me, "We will not remove anything and that they don't barter, as a matter of FACT what you are asking me to do is ILLEGAL, and we will not do anything illegal for you. So what ever you say or do will not change or delete this from your file." I then said, I am not asking you to do anything illegal. I want to pay the debt and in return I want the derrogatory / false information deleted from my file. He insisted and said NO. So according to the Fair Credit Reporting Act this isDesired Settlement: The report being sent to the credit agencies is incorrect. Since the company stated it was illegal to delete the account, according to the Fair Credit Reporting Act and that statement in itself, is actually a VIOLATION of the Fair Credit Reporting Act, I am requesting that they DELETE the account, [redacted]/ Alliance One # [redacted] from all my credit reporting agencies.

Business

Response: