Allianceone Receivables Management, Incorporated

July 21, Dear ***I am writing in response to the concerns expressed to your office by *** *** *** on July 17, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** states in her complaint that her father
has been receiving calls for her and spoke with one of our agents to request that calls to him cease*** states that insurance is going to pay her account.AllianceOne was referred account (#***) by *** *** *** on June 30, with a balance of $We sent *** a placement letter to inform her that the account was referred to our office on July 1, I have reviewed our records and they do not show any outgoing calls were made to *** did call us regarding the account on July 17, one from phone number ###-###-#### at 10:37am and the other ###-###-#### at 2:10pmDuring the initial call *** stated that insurance would pay the account and we informed her that we would notify our client accordinglyThe second call received from *** she requested that we not to call her anymoreShe was advised of her balance and stated she would pay *** *** *** directly*** should be advised that her account has been ceased and no phone calls will be made by AllianceOne on her account.We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing ***' s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,

August 21, 2014I am writing in response to the concerns expressed to your office by *** *** * *** on August 8, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** *** states in her complaint that in June she was informed that
some traffic tickets had been referred for collections and that she called two weeks later and established a payment arrangement on her accountsOn August 5, *** *** states that she received an e-mail informing her that her wages were being garnished*** *** states that we agreed to a payment arrangement knowing that she was going to be garnished.AllianceOne was referred three accountsPlease refer to the table below:Account Number Ticket Number Referred By Balance at Referral Date Referred Interest Attorney/Court Current Balance*** *** *** County District Court $ June 24, $ $212.54 *** **
*** *** *** County District Court $ June 24, $ $726.98 *** **
*** *** ***Municipal Court $ September 10, $ $ $
*** *** had multiple tickets from multiple courts referred to AllianceOneUnfortunately, the one court provided a PO Box address for *** *** and the other a street addressBecause of this difference we were not aware the tickets were for same person and the tickets were not linked together on our collection systemThe facts as she laid out are generally correct the exception being that AllianceOne did not know that she owed multiple courts and was nearing garnishment with one of them.We regret that *** ***’s non-payment resulted in wage garnishmentWe are willing to allow her to delay the start of her monthly payments on *** County District Court until after her judgment is satisfiedHowever, as the garnishment is proper and the result of lengthy non-payment the Garnishment will remain in place.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing *** ***’s issues to our attentionPlease let me know if I can be of further assistanceI can be reached at ###-###-####.Very Respectfully,Carol E
Compliance Officer AllianceOne Receivables Management, Inc

I am writing in response to the concerns expressed to your office by MsDeborah *** on June 25, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, IncMs*** states in her complaint that there is an
AllianceOne tradeline on her credit report regarding a *** *** & *** 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*** 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 *** *** & *** account in her nameI informed Ms*** I would see what we could do to remove our tradeline in light of not being able to locate an account for herUnfortunately 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*** 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 tradelineWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Ms*** 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

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

July 8, 2015Dear *** ***:
I am writing in response to the concerns expressed to your office by *** *** *** on July 4, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc*** *** states in her complaint that
these debts do not belong to her, that they are not valid and that she has never had any contractual agreement with either AllianceOne or *** *** Bank.Allianceone was referred account # *** (account #***) by *** *** Bank, N.Aon May 18, with a balance of $*** ***' account was opened on October 12, and we have attached a copy of her monthly statements which shows the most recent activity and details how the amount owed was arrived atBased on these statements it appears the charges stem from *** *** overdrawing her accountWe 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,
Carol ECompliance Officer

July 22, Dear ***:I am writing in response to the concerns expressed to your office by *** *** (***) on July 15, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** (***) 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 (#***) ticket (#***) on August 18, with a balance of $*** (***) paid the balance in full on this ticket 7/21/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 *** (***) on August 22, We have spoken with *** (***) on two occasions September 7, 2011, and May 28, At no time on either of these calls did she request verificationIt was not until June 30, 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 lawEven if it were applicable, the request is beyond the 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 *** (***'s) issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,

April, 9,
Revdex.com
Attention: *** ***
Online Response
Re: *** *** *** **
ID #: ***
Dear ***:
I am writing in response to the concerns expressed to your office by *** *** *** ** on April 9, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc
*** has submitted two additional complaints with your office on March 12, and March 25, 2014. He has rejected both of our responses. *** continues to dispute that he owes the debt as he was not living at the residence in question when the charges were incurred.
AllianceOne was referred account *** from *** *** *** on January 28, with a balance of $75.89. In our last response to *** we indicated that if he had proof of another residence at the time these charges were incurred that we would review that documentation with our client. *** to date has not furnished such documentation and without such information we are not able to address his specific concern related to the charges incurred in August 2013. We need to be able to demonstrate to our client that *** was not in the apartment during the time of the chargesPeople often stay beyond lease terms, providing another lease for the period of the charges would likely demonstrate to *** *** that *** indeed moved Aug and this bill is the result of a delayed notification of the his termination of service We believe that such proof would resolve this matter to ***’s satisfaction
Please be advised that on April 9, AllianceOne closed ***’s account and we have returned it to *** *** *** of *** ***. If *** would like to discuss his account further he should contact *** *** *** of *** *** directly at ###-###-####
We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing ***’s issues to our attention. Please let me know if I can be of further assistanceI can be contacted at
Very Respectfully,
*** ***
Compliance Officer
AllianceOne Receivables Management, Inc

September 18, Dear *** ***:I am writing in response to the concerns expressed to your office by *** *** *** on September 10, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** *** states in her complaint
that when contacted by an AllianceOne agent she was treated rudely and that the agent continually spoke over her.AllianceOne strives to maintain a positive image among the collection agency industry by training our associates to be professional and courteous at all timesIn addition, our collection associates are trained to follow and adhere to FDCPA regulations and specific state lawsAllianceOne does not condone or tolerate any harassing actions by our associatesWe are currently investigating *** *** complaint of rude and unprofessional behavior from our associate and in the event we are able to validate her concerns, disciplinary action up to and including termination is takenPlease allow me to assure you that this matter is being addressed.On behalf of AllianceOne Receivables Management, Inc., I would like to apologize for the negative experience *** *** had with our associate.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,Carol ECompliance Officer

September 8, 2015Dear *** ***:I am writing in response to the concerns expressed to your office by *** *** *** on August 31, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** *** states in his rejection to our response that he did not own a vehicle on the dates shown on the validation and wants the plate numbers for each violation.As stated in our previous response to *** *** our client stated that *** *** registered both accounts with his name, address and vehicle information.As a result of this complaint, we have contacted our client once again in regards to *** *** concerns and requestOur client has indicated that the device numbers listed on the validation previously sent to *** *** are the result of “reads” of *** ***’s ** *** transponder which at the time when he had a negative balance on his *** *** accountThe devices are not assigned to a specific plate numberIf the violations were generated by the plate because a device was not read a photo of the plate would be generated.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,Carol ECompliance Officer

November 11, Dear MSButtS:I am writing in response to the concerns expressed to your office by MsCourtney Alexander on November 10, appreciate the opportunity to respond on behalf of Allianceone Receivables Management, Inc.*** *** states in her complaint that
she received a notice from Alliance0ne regarding a *** *** ** ** * ** accountThat she had no knowledge of this debt and contacted the *** *** ** ** * ** who stated that AllianceCone was now collecting all old debtShe was told that there was nothing that could be done to validate the debt, however did provide Some basic information, however she does not believe the debt is hers.The *** *** ** ** * ** referred to Allianceone for collection account #34688134, client reference #with a balance of $On October 28, 2015, a letter was mailed to *** *** informing her that her account was referred for collection.Our client has reviewed *** ***'s dispute and has indicated that at the time of the violations *** ***'s *** *** *** account had a negative balanceDue to the negative balance on *** ***'s *** account the balance for the to violation could not be deducted from her accountThe toll and the administrative fee are due to the *** *** ** ** * **.AllianceOne can't speak to the conversation *** *** had with the *** *** however the validation they provided shows the balance and provides an explanation of why *** *** is responsible for the debtWe have attached validation for *** ***'s review/recordsWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing *** ***'s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####Very Respectfully,
Carol ECompliance Officer

From: Revdex.com of Metro Washington DCDate: Fri, Jul 7, at 8:AMSubject: Fwd: Complaint ID: ***To: *** *** Sincerely,Revdex.com Customer Service Team---------- Forwarded message ----------From: Mercedes
M*** Date: Thu, Jul 6, at 5:PMSubject: Complaint ID: ***To: "[email protected]" Attention *** ***, Good day, I noticed that this consumer’s complaint seems to be cut off in the middle of a sentence making it seem like we only received a portion of his issueI want to make sure that we address all of his concerns, can you please check with the consumer to verify that we are not missing a portion of his complaint? Thank you very much,Mercedes M***Compliance OfficerAllianceOne Receivables Management, IncT: ###-###-####Eagan, MN***@allianceoneinc.com

Good Morning Ms***,
This most recent rebuttal from Mr*** *** does not raise any new issues or ask any questions that have not been addressed in previous responsesBased on your recommendation to MrG*** to not respond to venting, we will not be responding to this rebuttalIf this complaint is subsequently closed as “assumed resolved” that would close this matterIf this complaint is one of the rare occurrences you mentioned that would be considered unresolved, I would appreciate it if you would reach out to me and advise what is needed to resolve the complaintAs noted in our response our client stated that they have only received the one payment from Mr*** and that if he had proof of the additional payments he was encouraged to forward them to AllianceOne so we could review them with the Port Authority of NY & NJ
Cordially,
Carol E***

June 29,
Dear *** ***:I am writing in response to the concerns expressed to your office by *** *** *** *** on June 22, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** *** states in her complaint that she has paid all of
her tickets in full and has requested numerous times that paid in full receipts be forwarded to the court*** *** also states that she has called and been left on hold for extended periods of time and that the agents were not professional.AllianceOne was referred tickets by Pierce County Superior Court on various dates commencing on January 23, All tickets were paid between May 22, and May 29, The Court was notified of all payments by June On June 22, we contacted the court and confirmed that they had received full payment on all four ticketsI have enclosed paid in full receipts for all accounts for *** ***’s review/records.We understand the concerns expressed in *** ***’s complaint with regard to the misinformation she received and the excessive hold times she experiencedAllianceOne strives to maintain a positive image among the collection agency industry by training our agents to be professional and courteous at all timesIn addition, our agents are trained to provide superior customer service at all timesOur review of the recordings of several of the phone calls between *** *** and our agents and in some cases we did not live up to that standard and we apologize for the poor service experienced by *** ***Please be assured that this matter has been addressed with our agents.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing *** ***’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,
Regards,Carol E***Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####
E-mail: ***@allianceoneinc.com

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

June 25,
Dear *** ***
I write in response to the concerns expressed to your office by *** *** *** *** on June 6, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Incand the extensions to respond that you have provided.*** *** *** *** states in her complaint she should not have to wait 4-weeks to get her money returned after she was wrongfully garnished for a paid in full accountIn her complaint she states she was wrongfully garnished for an account that was paid in full in I would like to thank *** *** for bringing this matter to our attention so that we may fine tune our procedures to avoid future issues for her and other consumers.AllianceOne’ s posting department received *** ***’s payment from the California Franchise Tax Board on May 13, 2015, however over payments are usually not processed for daysAllianceOne expedited the refund process for *** *** as soon as we became aware that a failure in our process contributed to the overpaymentOn June 4, 2015, check number ***, in the amount of $518.47, was sent to her via *** overnight services to *** ***’s addressWe appreciate her bringing this to our attention and are working with the Franchise Tax Board to implement controls in the process to prevent this type of thing from happening in the futureWe also sincerely apologize to *** *** for any hardship this may have caused herPlease let me know if I can be of further assistanceI can be contacted at ###-###-####Very Respectfully,
Daisy M
Compliance Officer
AllianceOne Receivables Management, Inc
Office: ###-###-####
Toll Free: ###-###-####
E-mail: ***@allianceoneinc.com

December 11, 2014Dear *** *** ***:I am writing in response to the concerns expressed to your office by *** *** *** on December 3, appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc*** *** requests verification of a
matter reported by AllianceOne to her credit file.AllianceOne was referred account #*** by *** County Superior Court on August 28, with a balance of $for allowing a suspended driver to drivePrior to being referred to our office the court reduced the balance of her ticket to the $reflected abovePayments in the amount of $have been recorded with AllianceOneAt this time having conferred with our client the balance of $is accurateWe 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,
Carol E
Compliance Officer

I am writing in response to the concerns expressed to your office by Mr*** *** on July 9, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, IncMr*** states in his complaint that he agreed to settle his
Credit First account for $that he would make three payments of $That he submitted the first payment on May 11, and when he noticed that payments had not been taken out of his account in July he called to find out why.AllianceOne was referred account #*** on August 11, by Credit First NAwith a balance of $On May 11, Mr*** contact AllianceOne and agreed to settle his account for $which was to be made in three payments of $eachThe first payment was secured using a debit card on May 11, which our agent indicated was a onetime paymentMr*** requested the remaining payments be applied at the end of the month for June and JulyI have reviewed the recordings for the call in question and determined that at the end of the call there was a misunderstanding of the expectations moving forwardMr*** asked about the payment and the agent assumed he was speaking about the May 11, payment and stated it would be reflected on his statement as AllianceOneOur agent did not make clear enough to Mr*** that if he intended to use his debit card that he would be required to contact our office to authorize those paymentsAllianceOne does not take postdated payments made with a debit cardWe contacted our client and they have reassigned Mr***’s account to AllianceOne and have agreed to accept the remaining settlement termsWe encourage Mr*** to contact an agent at ###-###-#### to set up the two payments remaining on the settlement offered himWe apologize for the confusion and frustration this may have caused Mr***We 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***
Compliance Officer
AllianceOne Receivables Management, Inc

June 13, Revdex.com
"margin-bottom: 0.0001pt;">Attention: *** ***
Online Response
Re: *** ** ***
ID #: ***
Dear ***:
I am writing in response to the concerns expressed to your office by
*** *** ** *** on June 3, I appreciate the opportunity to respond on
behalf of AllianceOne Receivables Management, Inc
*** *** states in her complaint that
she has a ticket holding up her driver’s license and that her attorney sent a
payment in the amount of $on April 29, to pay that account in
full. She states that her attorney
placed on the check the docket number the funds were to be applied. She states that not having the ability to
drive has created a great hardship to her and her family and wants the funds
applied to the proper account
AllianceOne has been referred several of
*** ***’s accounts. Please refer to
the table below
Account Number
Client Reference Number
Original Creditor
Date Referred
Balance At Referral
Interest/Other Fees
Current Balance
***
***
*** *** County
May 4,
$
$
$
***
***
*** *** County
February 2,
$
$
$
We have reviewed all calls made to our
office and determined that *** *** was told during the May 15, call
that she would need to contact the court and request the funds be applied to
the account holding her driver’s license.
Our agent believed that there was
no docket number or account number listed on the check that would have
indicated where the funds should have been applied*** *** was also made
aware if she faxed a copy of the check or a cover letter that accompanied the
check and a docket number was included we would be able to submit a request to
have the funds applied to the proper account
On June 12, 2014, I spoke with *** *** of *** Law Firm; I requested a copy of the initial cover letter
that accompanied their payment for *** ***’s account. That cover letter shows that the funds being
remitted were to be applied to Docket #***/account #***. Upon receipt of this information I requested
that the funds be correctly applied to the account they were intended for. We properly applied the $to the proper
correct account on June 12,
If no account number is put on a payment
and multiple accounts exist for the consumer our cash posting policy is to
apply the payment to the oldest accountsIn this case our cash posting staff
did not handle this payment properly and we are investigating the matter and
will address it through appropriate corrective action
We strive to provide a positive customer experience while resolving
account concerns, and we thank you for bringing *** ***’s issues to our
attention. Please let me know if I can be of further assistanceI can be
contacted at ###-###-####
Very Respectfully,
*** ***
Compliance Officer
AllianceOne Receivables Management, Inc

July 28, 2015Dear *** ***:I write in response to the concerns expressed to your office by *** *** *** on July 19, appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.*** *** states in her complaint that she was never contacted regarding this
ticket.*** *** County Superior Court referred to AllianceOne an unpaid speeding ticket (account number ***) on October 28, with a balance of $No additional charges have been added since that time.*** *** states she has never received correspondence from AllianceOne regarding this infractionOur records indicate that on October 29, 2014, AllianceOne sent *** *** the first notification of the account being assigned for collectionIn addition to the placement notice, *** *** was mailed notifications on January 29, and April 27, The notifications were mailed to the consumer's address of record on file with the California licensing authority via first class mail and have not been returnedI have attached validation of debt for *** ***'s review.Per *** ***'s request, below is the breakdown of the charges verified with the court:Fine Civil Failure to Failure DMV Fee A/R Total Amount Assessment fee ??pear to Pay Balance $$$$$$$1128.00I have reviewed the recordings of the conversations our agents had with *** ***Our agents adhered to our company policy and procedure on providing *** *** with basic account information which includes the balance in our office and to contact the California Franchise Tax Board (FTB)Unfortunately, our agents were unable to satisfy *** ***'s request to accept payments on the account as it has been referred to the (FTB) and we do not accept such payments until the FTBinforms us that no funds are available to impoundThis rule is in place to protect the consumer from the inadvertent impoundment of more than what a consumer owes on the account.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing *** ***'s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Daisy M.Compliance Officer

[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: ***
I am rejecting this response because: I did not receive the debt validation from the business Alliance One, nor have I received an actual bill from *** for this debtBecause this debt dates back to 2009, I am also unable to check records with ** *** due to the time frame of the debt, which dates back to 2009.
Additionally, the $fee is usually dismissed for customers who have an ** *** accountI have had several encounters with ** *** with ***, and all debts were promptly paid, without any issues.
I am willing to pay the $toll fee once I receive the debt validation. Please let me know if this is possible.
I have attempted to contact Alliance One customer service, however, no representatives answer the telephoneYou are forced to leave a voicemail, and I have not received a return call as yet. **I am also willing to contact MsCarol E*** telephonically to settle this dispute.
Regards,
*** ***