Allianceone Receivables Management, Incorporated

June 7, 2016Dear [redacted] ***:I am writing in response to the concerns expressed to your office by [redacted] on May 31, 2016. I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc. [redacted] states that AllianceOne has ignored his requests for validation of debt and... that he would like to receive the documentation he has requested. [redacted] referred to AllianceOne for collection account # [redacted] , client reference # [redacted] , on November 13, 2014 with a balance of $669.66. [redacted] ***’s account was returned to [redacted] at their request on December 10, 2015.We have no record of [redacted] requesting validation of this debt prior to this complaint, and unfortunately AllianceOne is not able to forward validation on an account no longer in our office. As noted above [redacted] ***’s account was returned to our client and questions regarding his account should be directed to [redacted] at ###-###-####.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ***’s issues to our attention. Please let me know if I can be of further assistance. I can be contacted at ###-###-####.Very Respectfully,Carol E***Compliance OfficerAllianceOne Receivables, Inc.

May 9, Revdex.com 0.0001pt;">Attention: [redacted] Online Response Re: [redacted] ID #: [redacted] Dear ***: I am writing in response to the concerns expressed to your office by ** [redacted] on May 7, 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, as I was not able to locate an account for her in our office** [redacted] stated that the original creditor was [redacted] HospitalShe 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 assistanceI can be contacted at ###-###-#### Very Respectfully, [redacted] Compliance Officer AllianceOne Receivables Management, Inc

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me Regards, [redacted]

March 16, 2017Dear [redacted] ***,I am writing in response to the concerns expressed to your office by [redacted] on March 6, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] stated in his complaint that he was due a refund which was sent to the wrong address and he would like it sent to him at the proper address in the next days[redacted] County Superior Court Referred to AllianceOne for collections two tickets, ticket # [redacted] , client reference # [redacted] on May 30, with a balance of $and ticket # [redacted] , client reference # [redacted] on September 30, with a balance of $ [redacted] ’s accounts were referred to the Franchise Tax Board (FTB) and all of the payments on [redacted] ’s accounts were received by AllianceOne from the FTBPayments received by AllianceOne from the FTB overpaid both of [redacted] ’s accounts with AllianceOne[redacted] ’s account # [redacted] was overpaid by $242.55; this overpayment was split into two separate amounts, one for $and another for $The first overpayment amount of $was applied to account # [redacted] that still had an active balanceShortly after the payment of $was applied to account # [redacted] the FTB secured another payment from [redacted] and applied that to the accountThe final payment secured by the FTB caused [redacted] ’s account # [redacted] to then be overpaid by $The refund check for $(check # [redacted] ) was mailed to [redacted] on March 13, and the refund check for $(check #3679818) was mailed to [redacted] on March 7, 2017.We strive to provide a positive customer experience while resolving account issues, and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully, Mercedes MCompliance Officer

I am writing in response to the concerns expressed to your office by MsDeborah [redacted] on June 25, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Ms [redacted] states in her complaint that there is an AllianceOne tradeline on her credit report regarding a [redacted] & [redacted] accountShe states that AllianceOne is in violation of the FDCPA as she was not given days to dispute the debt and has not received validation that the debt is hersShe additionally states she is a confirmed victim of identity theft.In an effort to locate the account Ms [redacted] references in her complaint I contacted her on June 25, She provided an old address and provided her social security numberNeither of which allowed me to locate a [redacted] & [redacted] account in her nameI informed Ms [redacted] I would see what we could do to remove our tradeline in light of not being able to locate an account for her.Unfortunately for AllianceOne to remove a tradeline we must be able to tie the removal to an account numberAt this time the best way for Ms [redacted] to have the tradeline removed is to dispute it with the Credit Reporting Agencies (CRA’s), they in turn will forward to AllianceOne as a dispute notificationSince we will not be able to locate an account, we will respond to the dispute that we are not able to locate an account and the CRA will remove the tradeline.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Ms [redacted] issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Carol E [redacted] Compliance OfficerAllianceOne Receivables Management, Inc

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

From: [redacted] < [redacted] @***.com>Date: Tue, Aug 22, at 5:PMSubject: RE: [redacted] To: [redacted] *** < [redacted] @myRevdex.com.org> [redacted] , We have not heard a peep from them outside of their posts to you No one has reached out to us b/c we are the wrong party.This company needs to acknowledge that and remove the identifying information they have posted on your site, pleaseThank you, [redacted]

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

August 7, Dear ***I am writing in response to the concerns expressed to your office by ** [redacted] on August 6, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.** [redacted] states in his complaint that AllianceOne agreed to remove their tradelines.As state in our June 25, response AllianceOne did submit a request to the Credit Reporting Agencies CRA's a request to remove their tradelines.Please be advised that on June 2, AllianceOne submitted a request to the credit bureaus to delete its tradeline from your credit reportsOur request was submitted electronically (via E-Oscar, confirmation # [redacted] and # [redacted] ) which should expedite the removalAllianceOne does not control how promptly the bureaus remove an item (or if they in fact remove it).If ** [redacted] has questions with regard to the removal of our tradeline he may want to contact the Credit Reporting Agencies directly and provide them with the confirmation numbers provided aboveAgain we do not control how quickly the Credit Reporting Agencies remove a tradeline.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing ***' issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,

From: Carol E*** < [redacted] @allianceoneinc.com>Date: Tue, Aug 25, at 10:AMSubject: ID [redacted] ***To: [redacted] @myRevdex.com.orgDear [redacted] ***, Please extend us an extension regarding [redacted] ***’ complaint so that we may fully investigate his issueRegards, Carol E***Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail: [redacted] @allianceoneinc.com

June 28, 2017Dear [redacted] ***,I am writing in response to the concerns expressed to your office by [redacted] on June 26, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states in her complaint that she has attempted to dispute this account on numerous occasions because she doesn’t believe this account was hersShe also states that in order for the account to be properly validated a signed contract between her and [redacted] must be provided to herUpon Receiving [redacted] ’s complaint we marked the account as disputed and reached out to our client to validate the account[redacted] referred account # [redacted] to AllianceOne for collections on July 12, with a balance of $Our client was able to locate previous statements for [redacted] ’s account however the process for residential customers is to sign up via web enrollment and therefore a signed contract is not availableBecause a signed contract is not available, we closed the account back to our client as disputedFor additional questions regarding this matter [redacted] may contact [redacted] directly.AllianceOne has submitted a request to remove our tradeline from [redacted] ’s credit report to the credit reporting agenciesAllianceOne does not control how promptly the tradeline is removed however it is typically completed within days.We strive to provide a positive customer experience while resolving account issues and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully, Mercedes M.Compliance Officer

August 13, 2015Dear [redacted] ***:I am writing in response to the concerns expressed to your office by [redacted] on August 10, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states in her rejection to our most recent response that notices sent by AllianceOne were sent to an address with an incorrect apartment number and that she never received themShe would like to know how to resolve the matter since the notices were not sent to the proper address.As previously stated the letters mailed to [redacted] were mailed to the address supplied to us by the court and reflect the address on file with the Department of Motor Vehicles at the time of the offenses.If [redacted] has any questions concerning her account, she may speak with an agent at ###-###-####An agent will be able to discuss her account in greater detail.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Carol E***Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-#### E-mail: [redacted] @allianceoneinc.com

July 28, Dear [redacted] ***: I am writing in response to the concerns expressed to your office by [redacted] on July 24, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc [redacted] has once again rejected our response dated July 22, 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 debtWe 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 complaintAllianceOne 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] BankIf [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 appropriatelyWithout a more specific dispute from [redacted] , we are not able to supplement our previous responses with additional informationUntil 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 attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-#### Very Respectfully, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc Office: ###-###-#### Toll Free: ###-###-#### E-mail: [redacted] @allianceoneinc.com

From: Carol E [redacted] arial, sans-serif;">< [redacted] @allianceoneinc.com>Date: Fri, Jun 5, at 7:AMSubject: [redacted] ***- [redacted] To: [redacted] @myRevdex.com.org Dear [redacted] ***, We are requesting a one week extension regarding the above mentioned complaint filed in your office so that we are more responsive to the consumers complaintPlease let me know if you are able to grant such an extension so we have time to further investigate and respond to the consumers complaint more completely Regards, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, IncOffice: ###-###-#### Toll Free: ###-###-#### E-mail: [redacted] @allianceoneinc.com

I am writing in response to the concerns expressed to your office by [redacted] on April 26, appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, IncMr [redacted] states that he has received a letter from AllianceOne regarding an E-ZPass violation for which he had already submitted payment twice.The Port Authority of NY & NJ referred to AllianceOne for collection ticket # [redacted] (client reference # [redacted] , violation T [redacted] 585-1) on April 18, with a balance of $Upon receipt of Mr***'s complaint, we forwarded his dispute to our clientThey have confirmed that a separate violation T [redacted] 294-in the amount of $was paid, however violation T [redacted] 585-(ticket # [redacted] ) in the amount of $is owed to the Port Authority of NY & NJ for using a dedicated E-ZPass lane without an E-ZPass deviceWe have enclosed validation for Mr***’s recordsIf Mr [redacted] has proof of a payment made for violation T [redacted] 585-(ticket # [redacted] ) we would encourage him to forward it so we may review it with the Port Authority of NY & NJWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Mr***'s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####Very Respectfully, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc

Dear MsButts, Attached is our response to [redacted] 's recent rejection of our response Regards, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc Office: ###-###-#### Toll Free: ###-###-#### E-mail: [redacted] @allianceoneinc.com

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: there is no account number on my credit reportMy social security number is***-***- [redacted] date of birth is [redacted] I have called Alliance One and given them all of my information before and they stated that I did not have an account so thy could not help meI put in a request through the credit bureau and they told me if there is no information then they should take the information that is incorrect down Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meBUT This issue was not about myself but was in reference to my boyfriends account [redacted] Graham, please see attachedThe 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] accountsI also received a letter with account in my name from that showed paid in full but that was not something I requestedI am hoping that this doesnt happen again as all accounts have been paid and are in a paid statusWe are now just waiting for our employeer [redacted] to refund [redacted] his money that was wrongly taken from his paycheck last weekI am the POA on [redacted] accounts with Alliance One and that is why I filed this complaint on his behalfI 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, [redacted]

October 10, 2014Dear [redacted] ***:I am writing in response to the concerns expressed to your office by [redacted] on October 7, 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 reportHe 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, and July 24, both with balances of $Both are for red light violationsUpon referral of both accounts placement letters were mailed via US Postal Service mail to [redacted] informing him that the accounts had been placed for collectionsOn March 3, [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, 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 reviewThe 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 LiabilityThe registrant is liable for a fine, currently $50.00, plus a Driver Responsibility Fee of $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 purposesFailure 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 $penaltyTHIS FINE IS NOT SUBJECT TO ANY DISCRETIONARY REDUCTIONSThe 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 attentionPlease let me know if I can be of further assistanceI can be contacted at 1-866-367-6619.Very Respectfully,Carol ECompliance Officer

April 24, I write in response to the concerns expressed to your office by *** *** on April 8, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc(“AllianceOne.) *** *** states in her complaint that AllianceOne is attempting to
garnish the wrong individual, that she has a similar first and last name, and that she does not owe the debts AllianceOne is attempting to collectThe current garnishment proceeding against *** *** arises out of five *** Municipal Court infraction judgments, three of which were entered against *** *** ***, and the remaining two of which were entered against both *** ** *** and *** ** ***AllianceOne has reviewed its records, and has attempted to obtain additional information through skip tracing, and has inquired for additional information from the underlying creditor.*** Municipal Court listed the judgment debtor as “*** *** ***', with adriver's license ending in “1MP and a date of birth in 1967.AllianceOne's records list the judgment debtor as “*** *** ***, with aresidence on * *** *** ** in Lakewood, Washington, and with a driver's license ending in "1MP and a date of birth in 1967, and a Social Security number ending in “** Skip tracing records indicate:(1) “*** ** ***' with no residence on * *** *** ** in Lakewood,Washington, and with a date of birth in 1967, and a Social Security number ending in “**; and: (2) *** ** *** a/k/a *** ** ***, with a residence on * *** ***
** in Lakewood, Washington, and with a date of birth in 1962, and a Social Security number ending in "** and (3) *** ** *** with a residence on * *** *** ** in Lakewood,Washington, and with a date of birth in 1964, and a Social Security number ending in ??**? The Revdex.com complaint lists “*** ***, with a residence on * *** *** ** in Lakewood, Washington, but fails to list any additional identifying information for the complainant.Because the relevant identifying information appears to be conflicting in some, and incomplete in other, respects, it is Allianceone's intention to note an identity hearing in this matter.Regards, Mercedes M***