Alco Collections, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting age ncies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ALCO COLLECTIONS bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 452XX	Web
XX/XX/XXXX I pulled my credit report and saw a collection agency on my report, the company was ALCO COLLECTIONS # XXXX Some information from that report claims that the original creditor was XXXX XXXX XXXX and the debt was for {$1700.00} and was placed in collections XX/XX/XXXX. I never lived at XXXX XXXX XXXX, I called the company spoke to managers and their respond was during that time 2 years prior was under different management, and I would have to clear this up with the collection company. At this point, I had not received any communication from the Collections company. Therefore, I was ROBBED OF ASKING THE COLLECTOR, TO VALIDATE THE DEBT TO MAKE SURE IT WAS MINE, WITHIN THE FIRST 30 DAYS. ( claimed that the debt was placed in collections XX/XX/XXXX ) I believe that this debt is fraudulent and a result of identity theft. XX/XX/XXXX I opened a dispute with XXXX. The results of XXXXs investigation resulted that the information was VERIFIED AS ACCURATE. I DID NOT AGREE WITH THIS INVESTIGATION. I requested for the results of XXXX and was requesting for the item to be deleted, because the Information reported had missing, incomplete and/or inaccurate data. ( Fair Credit Reporting Act 61 ( a ) [ 15 USC 16 ] XX/XX/XXXXI reached out to Alco collections, and specifically to their manager on file XXXX XXXX. Over the next 3 months, XXXX XXXX & XXXX, I made calls and left voicemails over 20 times. I received a call back from someone named XXXX no last name given, and before I finished my call it would somehow both times drop, and my questions would not be resolved. I spoke to this person twice, when we spoke I asked him for the Chain of custody of paperwork including and not limited to the original signature ( s ) credit application, ledger of credit/debits/receipts since the beginning of time as well as the Lease/Contract with explanation of balance owed and charge of ( {$1700.00} ). XX/XX/XXXX I received a letter from ALCO COLLECTIONS INC ( ACI ), with simply a statement under an account number XXXX. It stated RE : XXXX XXXX XXXX and with a Balance of {$1700.00} and to, PLEASE SEND BALANCE TO : ALCO COLLECTIONS INC XXXX XXXX XXXX XXXX XXXX, LA XXXX. XX/XX/XXXX I filed a dispute with the State of Louisiana Department of justice, Consumer Protection Section. XX/XX/XXXX I received my last letter from State of Louisiana Department of justice, Consumer Protection Section, however the issue had not been resolved. XX/XX/XXXX I sent a CERTIFIED letter, demanding the Chain of custody of paperwork including and not limited to the original signature ( s ) credit application, ledger of credit/debits/receipts since the beginning of time as well as the Lease/Contract with explanation of balance owed and charge of ( {$1700.00} ). I received no response nor was the item removed from my report. XXXX XX/XX/XXXX I send another Certified demand letter. I still did not receive a response nor was the item removed from my report. XX/XX/XXXX I sent request for disputing item to be deleted from my credit report to both XXXX XXXX and XXXX. I requested for the results of XXXX and was requesting for the item to be deleted, because the Information reported had missing, incomplete and/or inaccurate data. ( Fair Credit Reporting Act 61 ( a ) [ 15 USC 16 ]. Both XXXX and XXXX VERIFIED the information as ACCURATE. The item on my report remains missing, incomplete and inaccurate data. I request that it is removed. I have attached the supporting documentation.
09/09/2017	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.
09/27/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70131	Web
For some reason ALCO COLLECTIONS, INC. has not sent me proof of my obligations of this alleged debt as required and continues to report this to the three major credit bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. I disputed this account on XXXX XXXX, XXXX on my XXXX and XXXX credit reports to no avail. I also disputed directly with ALCO COLLECTIONS, INC. on XXXX XXXX, XXXX. To date ALCO COLLECTIONS, INC. continues to ignore my request and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that ALCO COLLECTIONS, INC. know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ALCO COLLECTIONS, INC. is blatantly disregarding the law.
12/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
I received a letter in the mail on XX/XX/18 from Alco Collections, INC stating that I owed a debt of roughly {$2600.00}. The letter stated that I could dispute the debt within thirty days of receiving the letter. On XX/XX/18, I mailed a letter by certified mail disputing the debt owed. On XX/XX/18, I received an alert to my XXXX, XXXX, and XXXX credit reports that the debt from Alco Collections has been added to mine and my husband 's credit reports. Today is XX/XX/18, and I have not received any further information about the debt in question. I have the original copy of the initial notice of collection from Alco Collections, the copy of the receipts from the United States Post Office showing that I mailed a letter by certified mail, and a copy of the letter I mailed requesting Alco Collections to validate the debt in question. I will be more than happy to provide this information at a later date if deemed necessary.
12/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95123	Web
I moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
I have attempted multiple time to get in touch with the company. In XX/XX/2019, XXXX XXXX, attorney for alco collections, claimed to furnish an itemized balance to me. I have not recieved it, nor the chain of custody of paperwork I have been requesting for over 2 years. I have made several attempt to have this company prove that this debt is my responsibility. I have made several attempts to dispute with Credit Reporting companies and Alco Collections remains by sending them that the debt is accurate. However, on my most recent report they have missing and incorrect data. I request that their alleged debt be removed from my report.
02/16/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48506	Web
I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.
06/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78613	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
08/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
I have a collections account on my credit report that I have no knowledge of and it has been disputed multiple times.. I have been trying to contact the creditor for over four years to take care of this debt. I have called the number listed numerous times and left messages. I have not received a call back. The debt is minimal and I would like to pay it after I verify that it is mine.
05/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30296	Web
I was never contacted or mailed any fees of the debt owed. I have tried calling and leaving messages with Alco Collections Inc since it was reported on my credit since XXXX of XXXX still no avail as of XX/XX/XXXX. Ive called the company that initiated the debt XX/XX/XXXX and was told theyll contact Alco Collections Inc. and never received a call back.
03/14/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	LA 70056	Web
XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$580.00} Date Account Opened XX/XX/XXXX I paid it off and wasnt removed off my credit report.
04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	LA 70124	Web
Alco Collections, is out of business according to the original deptor.. I have paid the original deptor.. The Alco collections refuses to release my balance from the collection agency.. They never answer the phone and are no longer in business.. They are only keep saying i owe the dept, to the collection agency
01/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95123	Web
XX/XX/2018 XXXX XXXX XXXX sent a debt to alco collections that was disputed. All details are in files attached. There is no way to pay or even contact alco collections and XXXX will not remove it from my credit even though the other two bureaus have.
09/05/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 700XX	Web	Servicemember
I called Alco Collections and asked about the negative item on my credit report and told them I never was notified. He said I was and hung the phone up. I call back to ask him to send and he never did.
12/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	LA 708XX	Web
Also collections refuses to stop reporting to XXXX even though account was discharged I never bankruptcy
02/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 700XX	Web	Servicemember
I never received any notification from Alco collections I noticed on my credit report must be removed
07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70714	Web

06/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70125	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70812	Web

01/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Phone

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70117	Web

06/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70058	Web

05/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70131	Postal mail

04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70072	Web

12/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70058	Web

06/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

12/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70087	Phone	Servicemember

03/15/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70501	Web

01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 75237	Phone

07/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	LA 70056	Web

06/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70726	Web	Servicemember

03/11/2014	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	LA 70056	Web

01/28/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70812	Web

09/27/2013	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	LA 70884	Web