Northern Alliance Management, LLC

TO whom it may concern:All of our messages are dialer messages and are fully complaint to the FDCPA and have been approved by our attorneyIt is a standard message that revels nothing of the file in our officesWe have reviewed the call recording in question and at no time was there ever profane language used with this consumer we are fully prepared to send a copy of the call directly to show that this allegations are in fact falseAlso Northern alliance was at one time accredited by the Revdex.com however due to unfortunate circumstances the approval didn't go through after were were approved for several months and that post was since removed from our [redacted] pageWe initially mailed a dunning notice to the consumer giving her a chance to dispute the account within thirty days which was never doneThe Mini Miranda was read to her telling her we are a collection company, and advising her that this is an attempt to collect a debt The account has been closed and sent back to our client as a refusal and a cease and desist has been permittedWe do not wish to speak to this consumer againIf you would like a copy of the recording to prove that these allegations are completely and baseless we would be happy to provide at anytimeWe wish to consider this matter closed and we will not contact the consumer furtherThank you

Northern Alliance Management, LLCwas attempting to collect a debt from Ms [redacted] on behalf of our client, JTM Capital Management, who had purchased the debt from Smart Pay Leasing.All of our calls are recorded, and I have reviewed all correspondence with Ms [redacted] At no time was the representative rude, nor did he threaten any type of action, as company policy prohibits such tacticsAccording to our records, there were incoming calls placed by Ms [redacted] On June 23rd, Ms [redacted] was notified of all of the details regarding the debt and the original creditor and entered into an agreement with our office to resolve the debt in a two part settlementThe following day, Ms [redacted] called stating that she was unable to pay the settlement in two parts, and the collector offered to instead break the settlement up into four parts to help assist her in resolving the debtMs [redacted] was sent a settlement letter outlining the details of her agreement with our officeThere was no further contact from Ms [redacted] until July 22nd, at which point Ms [redacted] called the office twice, both times hanging upon receiving the collector’s voicemail without leaving a messageWe believe that we have done everything possible using the greatest degree of professionalism to ethically assist Ms [redacted] in resolving her debtUpon receiving this complaint, we have closed the account with our office and returned it to our client

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowI contacted the office of Northern Alliance Management after the initial call was made to me by Amanda M I contacted her on the same day she called to collect payment and she blatantly told me that if I didn't pay this amount then I would not receive another call but the next step would be that her client WOULD pursue legal actionI was scared so of course I decided to do my researchI asked her not to process that amount because I would rather consider paying in one lump sumShe stated the lump sum offer was only good for that day only I DECLINEDAfter contacting [redacted] corporate office and the company that [redacted] said purchased my account I then called Northern Alliance Management and asked if they could provide me with something in writing stating what I owe and a payment history of my accountI read online that this is a consumer right and that companies have to send this information out as the law statesAmanda then agreed to send me documentation in the mailAfter a week of not receiving anything I then called back and asked for Amanda M the person who answered said she doesn't know who Amanda M isSo I asked why did Amanda M email me documents stating how much I should pay Northern Alliance Management if she doesn't work for this company - the lady then told me to hold onIn the background I hear a woman ask is that the "___ (my first name) lady" and I go yes this is me againSo unprofessionalI never spoke with Amanda instead I had to endure a second time of being transferred to a male "supervisor" who was belligerent and aggressiveHe spoke loudly and said that I should not call their office again and that he had placed a "cease and desist" so that I wouldn't call again - (mind you all I've done is call to get information on what I supposedly owe this company and about the refund owed to ME - he said my refund was processed a week priorIf your refund processor was out of the office for an extended time then why wasn't this information told to me prior to me making reports with the Federal Trade Commission and the Revdex.com? Or Why wasn't this told me to during the several calls I made to NAM asking where was the refund? I was absolutely threatened - I was told multiple times by the collector who called me that her client was going to peruse legal actionI called [redacted] and [redacted] and told them about the possible law suit and they both had NO knowledge of this company and said that they DO NOT pursue legal actionThis company is unethical and has unlawful business practices Regards,

We sent you a paid letter for your accountWe have not withdrawn any funds from your account since the final payment that was made on 07/01/Your account balance opened with current amount of $You made payments of $on 07/01/2016, on 06/03/2016, $on 05/04/$on 04/04/totalling the full amount owedWe are not sure where your confusedWe sent you a paid in full letter that shows you have completed your obligation to the account and it has been reported to our client as paidWe wish to consider this matter closedIf you have any questions your more then welcome to call us anytime1-888-816-x You can ask for MichaelThis information is accurate and truthfulIF we can be of anymore assistance please let me know

Northern Alliance Management, LLCwas attempting to collect a debt on behalf of our client, [redacted] , who had purchased the debt from [redacted] Of course, it is against company policy to threaten any consumer with criminal or civil chargesThe notes do not indicate that this occurred, nor do they indicate that Ms [redacted] asked for the payment not to be processed.We apologize for any inconvenience that Ms [redacted] may have suffered due to the payment being processedThe manager that Ms [redacted] spoke with had sent the payment to be refunded as they discussed, however, the individual who processes the refunds was not in the office for an extended weekend, and the refund was not processed in the time frame that Ms [redacted] would have likedThe manager was told by Ms [redacted] that she would dispute the charges with her bank to expedite the process, rather than waiting for a refund from our company.We have since processed the refund for the payment of the $114, and have closed this accountIf she has received any overdraft charges as a result of the payment being deducted, she may contact our office to send verification of such charges, and upon receipt of such verification, Northern Alliance Management, LLCwill be happy to reimburse her for suchAgain, we apologize for any inconvenience that Ms [redacted] may have sufferedShe can rest assured that she will not be contacted by Northern Alliance Management, LLCagain

Revdex.com, what I can saying is your client is still withdrawing [redacted] from my bank account and yet are they are telling you the account is paid in full.I demand to see when was the last payment taken out of bank account and where is my receipt.Thank you

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.I am happy that they have decided to leave me alone but much of what they are saying in response to my complaint is falseThey reported,"We have reviewed the call recording in question and at no time was there ever profane language used with this consumer we are fully prepared to send a copy of the call directly to show that this allegations are in fact false" If they send you recordings of our calls they need to send you the recordings of three calls in which I spoke to customer service, the calls from April and May in which I was cursed at by a man working there and hung up on and then laughed at by a female after calling back and telling them to stop calling me and then hung up on once againI have never received any letter from this company and I have never been read a mini miranda, and never at any time was I informed that calls were being recordedIn response to this," Northern alliance was at one time accredited by the Revdex.com however due to unfortunate circumstances the approval didn't go through after were were approved for several months and that post was since removed from our [redacted] page." The post was not removed from [redacted] as of 5/13/when I took a screenshot that I have attached to youThey may have removed it now that I said something to you but they had it up on their page as late as yesterday to be seen by the public Regards, [redacted]

***, You had an account in our office that you have paid in full you have made a few different payments to us regarding your account with *** ***This account was reported to the credit bureau by our client plaza services who owns the rights to you accountWe have reported the account
back to them as paid in full and attached a letter to the file reflecting suchWe are simply just the collection company assigned to the billWe are not sure if you got a call in error or what happened but when the representative saw that the account has been paid she advised that we will get a paid letter out to you immediatelyI have also attached this paid letter fro your recordsYou are welcome to contact us directly if you have any further questionsNAM, LLC is an acronym for our company Northern Alliance ManagementOur direct number is 888-816-We are not sure as to why you would be requesting a refund the payment was the final payment you had on file with us that completed the agreement as paidIf we give the back you account will no longer be paid in full and we will have to notify the client as suchI have attached a paid letter to this and NAM wishes to consider this matter paid in full and the complaint closedSincerely, Northern Alliance Management Compliance - 888-816-

We are a debt collector fully licensed to collect debt in that stateIn response to the consumer complaint by law we are not required to give the Mini Miranda "this is an attempt to collect a debt" to anyone other then the consumer that we are intending to speak toIf we were to provide that
information to a third party which in this case it would have been we would have violated the disclosure laws by the FDCPAWe are fully aware of the laws and follow themWe offered for her to speak directly to a supervisor in which she refusedWhen the call was terminated by our employee after updating the records of the bad phone number the consumer continued to contact us repeatedlyWe apologized that we had the wrong number as that does happen from time to time in our businessHer phone number has been removed and the consumer has not been contacted againThank you for your input regarding this complaint as it helps us understand what we can do better as a companyIf you have any questions or concerns your are welcome to contact our management team directlyNorthern Alliance Management considers this complaint answered to the best of our ability and wish to consider it closed Sincerely Northern Alliance Management Compliance Department

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not accurately recount the actions by the business or its employeesI was not irate, I never yelled, and the reason I was unable to leave their employee a message (company's viewpoint this should have been a sufficient way to resolve the issue) was because said employee's voicemail has full and no longer accepting messages (still isn't)This is a slanderous response by the company and I wish it to be wholly removed from your websiteClearly this company has no intentions to improve their internal review processes to accurately assess how they treat by-standards caught in their system, nor do they value or want to improve the way their employees comport themselvesI maintain that this company harassed me and provided no clear way to resolve the issue (full voicemail, employees hanging up on me). *** ***

To whom it may concern: Northern Alliance Management is fully licensed in the state of Florida as a debt collectorWe have not made any calls except an automated dialer to this numberAt no time were the calls threatening in any wayIt is a generic message that says we are trying to reach
"consumers name" and have made several attempts to reachIf you look on the department of states website you will see that we are licensed to conduct business in the state of FloridaWe have already sent correspondence to this residence and received no sort of response At this point in time however we have closed the matter and sent it back to our client as unable to resolve, due to the nature of this complaint we do not wish to speak with or correspond with this consumer any furtherWe have already provided copy of our license to the Revdex.com as well and wish to consider this matter closed. Sincerely Northern Alliance [email protected]

We have reviewed all correspondence with Ms*** since this account was placed with our office on June 7th of this year. It is true that Ms*** called our office times, however, she did not leave a voicemail, and therefore the representative she was calling would have had no idea
that she had been trying to contact himOn August 15th, when speaking with the first representative, Ms*** was irate, stating that she had been trying to tell us for over years that this was not the correct numberThe representative tried to explain to Ms*** that we had just received this account, and that she must have been confusing us with another companyHe asked her to please calm down so he could assist herShe continued to yell, and the rep did hang up the callThe second representative she spoke with was very polite and told Ms*** she greatly apologized, and that she would assist in correcting the issue, which was done immediatelyThe call was disconnected when Ms*** was asked to hold so the information could be updated, but it seems as though either this was an error while being put on hold, or Ms*** hung up due to being placed on holdThe initial rep she spoke with has been reprimanded for terminating the callMs***’s information has been removed from the file, and she can rest assured she will not be contacted by Norther Alliance Management regarding this matter again

Revdex.com, what I can saying is your client is still withdrawing [redacted] from my bank account and yet are they are telling you the account is paid in full.I demand to see when was the last payment taken out of bank account and where is my receipt.Thank you

Northern Alliance Management, LLC. was attempting to collect a debt from Ms. [redacted] on behalf of our client, JTM Capital Management, who had purchased the debt from Smart Pay Leasing.All of our calls are recorded, and I have reviewed all correspondence with Ms. [redacted]. At no time was the...

representative rude, nor did he threaten any type of action, as company policy prohibits such tactics. According to our records, there were 4 incoming calls placed by Ms. [redacted]. On June 23rd, Ms. [redacted] was notified of all of the details regarding the debt and the original creditor and entered into an agreement with our office to resolve the debt in a two part settlement. The following day, Ms. [redacted] called stating that she was unable to pay the settlement in two parts, and the collector offered to instead break the settlement up into four parts to help assist her in resolving the debt. Ms. [redacted] was sent a settlement letter outlining the details of her agreement with our office. There was no further contact from Ms. [redacted] until July 22nd, at which point Ms. [redacted] called the office twice, both times hanging upon receiving the collector’s voicemail without leaving a message. We believe that we have done everything possible using the greatest degree of professionalism to ethically assist Ms. [redacted] in resolving her debt. Upon receiving this complaint, we have closed the account with our office and returned it to our client.

We were unable to locate an account given the information provided. Our company is not a law firm, nor is it permissible per company policy to state such. Given the information provided, we were unable to locate any telephone calls to the number provided. We apologize for any inconvenience...

the Ms. [redacted] may have endured. At her convenience, if she could please contact us at 302-594-3494 and ask for Lisa [redacted], so that we may assist her in resolving this issue and ensure that her or her father's phone number is no longer in our system, if applicable. Again, we truly apologize for any inconvenience, and I look forward to speaking with her personally to assist her any way I can in resolving this matter.  Cordially,  Lisa [redacted]  Chief Compliance Officer

TO whom it may concern:All of our messages are dialer messages and are fully complaint to the FDCPA and have been approved by our attorney. It is a standard message that revels nothing of the file in our offices. We have reviewed the call recording in question and at no time was there ever profane...

language used with this consumer we are fully prepared to send a copy of the call directly to show that this allegations are in fact false. Also Northern alliance was at one time accredited by the Revdex.com however due to unfortunate circumstances the approval didn't go through after were were approved for several months and that post was since removed from our [redacted] page. We initially mailed a dunning notice to the consumer giving her a chance to dispute the account within thirty days which was never done. The Mini Miranda was read to her telling her we are a collection company, and advising her that this is an attempt to collect a debt.  The account has been closed and sent back to our client as a refusal and a cease and desist has been permitted. We do not wish to speak to this consumer again. If you would like a copy of the recording to prove that these allegations are completely false and baseless we would be happy to provide at anytime. We wish to consider this matter closed and we will not contact the consumer further. Thank you

We sent you a paid letter for your account. We have not withdrawn any funds from your account since the final payment that was made on 07/01/2016. Your account balance opened with current amount of $643.71. You made payments of $156.23 on 07/01/2016, 156.24 on 06/03/2016, $156.24 on 05/04/2016 $175.00 on 04/04/2016 totalling the full amount owed. We are not sure where your confused. We sent you a paid in full letter that shows you have completed your obligation to the account and it has been reported to our client as paid. We wish to consider this matter closed. If you have any questions your more then welcome to call us anytime. 1-888-816-9136 x 101. You can ask for Michael. This information is accurate and truthful. IF we can be of anymore assistance please let me know.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I am happy that they have decided to leave me alone but much of what they are saying in response to my complaint is false. They reported,"We have reviewed the call recording in question and at no time was there ever profane language used with this consumer we are fully prepared to send a copy of the call directly to show that this allegations are in fact false. " If they send you recordings of our calls they need to send you the recordings of three calls in which I spoke to customer service, the calls from April and May in which I was cursed at by a man working there and hung up on and then laughed at by a female after calling back and telling them to stop calling me and then hung up on once again. I have never received any letter from this company and I have never been read a mini miranda, and never at any time was I informed that calls were being recorded. In response to this," Northern alliance was at one time accredited by the Revdex.com however due to unfortunate circumstances the approval didn't go through after were were approved for several months and that post was since removed from our [redacted] page." The post was not removed from [redacted] as of 5/13/15 when I took a screenshot that I have attached to you. They may have removed it now that I said something to you but they had it up on their page as late as yesterday to be seen by the public. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. I contacted the office of Northern Alliance Management after the initial call was made to me by Amanda M.  I contacted her on the same day she called to collect payment and she blatantly told me that if I didn't pay this amount then I would not receive another call but the next step would be that her client WOULD pursue legal action. I was scared so of course I decided to do my research. I asked her not to process that amount because I would rather consider paying in one lump sum. She stated the lump sum offer was only good for that day only  I DECLINED. After contacting [redacted] corporate office and the company that [redacted] said purchased my account I then called Northern Alliance Management and asked if they could provide me with something in writing stating what I owe and a payment history of my account. I read online that this is a consumer right and that companies have to send this information out as the law states. Amanda then agreed to send me documentation in the mail. After a week of not receiving anything I then called back and asked for Amanda M the person who answered said she doesn't know who Amanda M is. So I asked why did Amanda M email me documents stating how much I should pay Northern Alliance Management if she doesn't work for this company - the lady then told me to hold on. In the background I hear a woman ask is that the "___ (my first name) lady" and I go yes this is me again. So unprofessional. I never spoke with Amanda instead I had to endure a second time of being transferred to a male "supervisor" who was belligerent and aggressive. He spoke loudly and said that I should not call their office again and that he had placed a "cease and desist" so that I wouldn't call again - (mind you all I've done is call to get information on what I supposedly owe this company and about the refund owed to ME - he said my refund was processed a week prior. If your refund processor was out of the office for an extended time then why wasn't this information told to me prior to me making reports with the Federal Trade Commission and the Revdex.com? Or Why wasn't this told me to during the several calls I made to NAM asking where was the refund? I was absolutely threatened - I was told multiple times by the collector who called me that her client was going to peruse legal action. I called [redacted] and [redacted] and told them about the possible law suit and they both had NO knowledge of this company and said that they DO NOT pursue legal action. This company is unethical and has unlawful business practices. 
Regards,

Northern Alliance Management, LLC. was attempting to collect a debt on behalf of our client, [redacted], who had purchased the debt from [redacted]. Of course, it is against company policy to threaten any consumer with criminal or civil charges. The notes do not indicate that...

this occurred, nor do they indicate that Ms. [redacted] asked for the payment not to be processed.We apologize for any inconvenience that Ms. [redacted] may have suffered due to the payment being processed. The manager that Ms. [redacted] spoke with had sent the payment to be refunded as they discussed, however, the individual who processes the refunds was not in the office for an extended weekend, and the refund was not processed in the time frame that Ms. [redacted] would have liked. The manager was told by Ms. [redacted] that she would dispute the charges with her bank to expedite the process, rather than waiting for a refund from our company.We have since processed the refund for the payment of the $114, and have closed this account. If she has received any overdraft charges as a result of the payment being deducted, she may contact our office to send verification of such charges, and upon receipt of such verification, Northern Alliance Management, LLC. will be happy to reimburse her for such. Again, we apologize for any inconvenience that Ms. [redacted] may have suffered. She can rest assured that she will not be contacted by Northern Alliance Management, LLC. again.