Alliance CAS, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
11/25/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 553XX
Web
The HOA fees for XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( Property located within the gated community called XXXX XXXX at XXXX ) have been paid historically by my tenant, and have been for years. As of XX/XX/2019 I learned that this process was not working in a timely fashion and that there would need to be changes in the account/billing information to ensure the dues would be paid on-time. Over the last 5 months the XXXX XXXX XXXX accounting process has not made the requisite address changes and not communicated directly with me ( the owner ) about the dues. Additionally, I discovered that the payment made to collections in XXXX was not applied in a timely fashion, allowing Alliance CAS ( the collections company engaged by XXXX XXXX XXXX ) to charge additional late fees and interest, keeping my account in collections. I was not informed of that and believed my account to be in good standing. As a result of this failure to communicate, I have had to endure over {$1000.00} in additional fees and a property lien. I hereby request a refund of those fees. Below is the account of my interactions. On XX/XX/XXXX, I was made aware by my tenant that the HOA fees were in arrears and had been sent to collections ( Alliance CAS ) ; this was the first indication that the HOA dues payment process was not working. I immediately called the collections agency, told them my intent to send payment immediately and asked them to contact me directly at my address in MN in future. I sent a check 2-day overnight mail for the amount owed ( shipment receipt attached ). I then called the XXXX XXXX XXXX directly and left a message for accounting ( as directed by the IVR prompts ) with my contact information, including my phone number physical address in Minnesota. I explained that if the account was in arrears again, I was to be notified immediately so I could correct. No one returned my call. I assumed the information had been documented. On XX/XX/XXXX I was notified by my tenant that the fees were again in arrears, and that the amount owed was {$990.00}. I immediately contacted the HOA accounting department to inform them that I was sending a check overnight for the full amount ( delivered XX/XX/XXXX ) and that they needed to call me immediately to that the billing address could be changed to my physical address to ensure prompt payment. I did not receive a response. On XX/XX/XXXX, I began to be concerned that there was no return phone call and I had not received a physical bill. I called the office and left a message for accounting asking for a return call to ensure change of address. No response. On XX/XX/XXXX, I again called the accounting team and left a message requesting a call. No response. On XX/XX/XXXX, I again called the office and in addition to the message for accounting, I left a message in the general voice mail box expressing my displeasure and that my intent was to call every day until I received a response. On XX/XX/XXXX, I received my first call back from XXXX ( who I later discovered is the office manager ). I explained that the billing address needed to be changed so the HOA fees could be paid promptly. I gave her my contact information, including email address. She forwarded me to XXXX. I called back and spoke to XXXX again expressing my concern that I do not receive any response from accounting and asked her to ensure I got a response. XXXX said she would walk down to accounting and ensure they changed the address. On XX/XX/XXXX, XXXX from accounting emailed my tenant and asked her for the change of address information. Luckily, my tenant forwarded the email to me same day. I responded to XXXX, copy XXXX, and again requested updated contact information. In late XXXX, I began to be concerned that I still had not received a bill for the XXXX HOA fees. To ensure the account would stay current, I sent a check proactively in the amount of {$300.00} to XXXX XXXX XXXX for delivery by XX/XX/XXXX. ( I guessed at the amount as I was unsure of the exact fees. ) At this point I believed the account was current and that I would receive a bill for the XXXX dues. On XX/XX/XXXX ( Saturday ), I received a notice to my address in Minnesota informing me a lien had been placed on my property by Alliance CAS. I was shocked and angered as I had been proactively sent payment and had spent so much time and effort ensuring the contact information was corrected. I left a message for XXXX aXXXX XXXX on their voice mail, as well as sending an email to XXXX ( the only person to respond to me ) On XX/XX/XXXX ( Monday ), I called the collections agency and spoke with XXXX. She insisted an initial claims letter was mailed and because I had not responded, the lien had to be placed. I insisted this was the first communication I received. After investigation, XXXX informed me that the initial letter was sent to my tenant, with a read/receipt notice dated XX/XX/XXXX. I was not informed of this letter, nor did I receive any communications regarding collections via my physical address, email or telephone. This left me incredulous as to how the account could be in collections with payment received in full on XX/XX/XXXX, along with a communication to XXXX XXXX XXXX to inform them that the payment was on its way. XXXX agreed to send me all documentation including the account ledger and collections letters via email. On XX/XX/XXXX, my {$990.00} payment was credited to the account - after it was sent from XXXX XXXX XXXX to Alliance CAS. From XX/XX/XXXX through XX/XX/XXXX the funds resided in the ccounts of XXXX XXXX XXXX. Alliance CAS paid themselves first, leaving my account balance again short. Given the dates, clearly my payment and request for updated contact information had been received *before* my tenant was in receipt of the collections letter on XX/XX/XXXX regardless of whether or not I was informed. After my discussion with XXXX, I called XXXX XXXX XXXX again to understand the error. XXXX was able to get someone in accounting to answer my call ( XXXX? ). The accounting clerk informed me that the account had been sent to collections on XX/XX/XXXX and that by law they were unable to talk to me once that occurred, therefore no one was ever going to call me back. I did not know it was in collections until the lien letter received on XX/XX/XXXX. So, despite my proactive communications on 6 separate occasions no one informed me that the account was in collections. I had continued to send checks in good faith without receiving any information. I was informed at that point there was nothing that could be done except by the owners and that they would have her call me back. I also left a message for XXXX XXXX to return my call as I was now responsible for additional in fees, lien preparation and interest. This seemed unfair given the lack of communications from the agency and all my good faith payment efforts. On XX/XX/XXXX, at XXXX I received a call from XXXX XXXX. I went through the explanation again of all the communication and requested the additional fees be eliminated. She was of the opinion that this was my issue, they had acted correctly in all ways, and that my only recourse was to write a letter to the HOA Board and request a refund. On this call, I asked her to confirm the contact information had been updated. It had not. My email address had been added. XXXX informed me I would need to submit in writing which I had already done on XX/XX/XXXX. I then forwarded my original written request to XXXX on to XXXX. Also on XX/XX/XXXX, at XXXX I received a return call from XXXX. He sympathized with my plight and the inability of common sense to apply in this situation. He asked me to clear the ledger, and assured me he would look into the issue. On XX/XX/XXXX, I left a message for XXXX to return my call and discuss payment. No response. On XX/XX/XXXX, I left a message for XXXX to return my call and discuss payment. No response. On XX/XX/XXXX, I decided to do my best to determine a payment and get the account cleared. Doing my best to interpret the accounting ledger, I determined the amount due was {$1600.00}. I submitted a payment on-line for {$1400.00} that plus the {$300.00} I had already sent for XXXX - should be more that enough to clear the debt. I then submitted my written account to all parties involved with a request for refund of all collection fees and interest from XX/XX/XXXX when you received my late payment in full. As of XX/XX/XXXX ( date of the ledger I have in my possession ) this amount to {$1000.00} ( XXXX ). On XX/XX/XXXX I submitted the entirety of this series of events to the HOA Board of Directors XXXX XXXX XXXX XXXX and Alliance CAS. I included my discovery that because of misapplication of payment made on XX/XX/XXXX, Alliance charged me additional fees that kept my account in collections AND that I was not informed to that effect. After all my challenges, I investigated all payments made via my bank, including the one on XXXX. I discovered that the XX/XX/XXXX check was cleared into Alliance CAS accounts on XX/XX/XXXX. It was not credited into my account until XX/XX/XXXX. On XX/XX/XXXX, late fees and additional interest were applied in the amount of {$35.00}. This kept my account in collections status without me ever being informed. On XX/XX/XXXX I was informed that the Board rejected my request for the fee reimbursement. exhibits : shipping receipt, phone records, email communications, account ledger, payment receipt, cancelled check
07/14/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • XXXXX
Web Older American
On XX/XX/XXXX, I have received a " Delinquent Assessment '' letter from Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, Phone : XXXX XXXX XXXX, email : XXXX, stating XXXX of Lien has been recorded against your property because you have not paid the quarterly assessment to XXXX XXXX XXXX XXXX XXXX. It further states, You owe the interest accruing from XX/XX/XXXX to the present. As of the date of this letter, the total amount due with interest is {$8700.00}. With this letter, a three page statement that narrates all of their self-generated data entries of charges but did not contain a complete statement of account of my quarterly assessments charged and paid from XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is being managed by a XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX FL, located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone : XXXX XXXX XXXX. On XX/XX/XXXX, I have requested a complete statement of account from XXXX to the address of XXXX, since I have paid all my dues to the address of XXXX since the coupons books are printed in the name of XXXX to the address of XXXX. This XXXX has been in charge of management of XXXX since XXXX, XXXX. Since I did not receive any reasonable reply within the reasonable time, I wrote on XX/XX/XXXX, another letter ( 17 pages ) addressed to the President & Board of Directors enclosing a complete schedule of quarterly dues paid, copies of ten ( 10 ) cancelled checks from XX/XX/XXXX to the end of XX/XX/XXXX. The letter of Alliance CAS did not specify which quarterly assessment was not paid. Their self- generated data charges started from XX/XX/XXXX. As a matter of courtesy, all these seventeen pages of documentation was also sent to the CEO of Alliance CAS and to the CEO of XXXX. XXXX consists of A President and seven Directors. Hence there were 9 ( nine ) packets of 17 pages of documentation was mailed on XX/XX/XXXX. Out of these nine ( 9 ), the President and three directors returned my letters without opening saying RETURN TO SENDER. OnXX/XX/XXXX, I have received another letter from Alliance CAS enclosing, once again their self-generated charges and two pages of Statement of Account from XXXX in my name. One dated as XX/XX/XXXX and another was dated as XX/XX/XXXX. I never received any statement of account from XXXX or from XXXX in all these 20 years living in this community. I, like many other members of community receive violation letters if our lawns were nor mowed or for any other silly matters. Since then I have checked, verified, reviewed, and analyzed these two pages of XXXX statements. Of which I have noted my check No : XXXX date XX/XX/XXXX for {$94.00} against the quarterly assessment of XX/XX/XXXX was not presented payment. My analysis was backed by stubs of coupons for the years XXXX, XXXX, XXXX, XXXX and XXXX. I did not have copies of cancelled checks for the years XXXX nor for XXXX since I have closed my previous Bank account nearing to the end of XXXX. Now I have written to XXXX and to XXXX who were responsible to initiate this threat to lien my property based upon their above two page statement. Furthermore, XXXX coupons do not say, what and how much is the late fee, nor how much is the interest, nor about the threat to lien properties at any given time. Moreover, XXXX thru XXXX sends letters to members over missed payment selectively and in discriminative form. I have also verified with the Bank to find out whatever happened to my ill-fated check # XXXX of XX/XX/XXXX for {$94.00}. I was told that check was never presented for payment. I.e. lost or mislaid in the mail. Since then, I have written another letters explaining all these events to XXXX enclosing a replacement check # XXXX dated XX/XX/XXXX for {$130.00} to cover the non-presented check # XXXX of XX/XX/XXXX for XXXX. I have clearly stated that I have included the interested element of 10 % annum for all these four years upon the consultations with past president and members. Out of my cancelled checks from XX/XX/XXXX to the current date, XX/XX/XXXX ( ten ( 10 ) of them ), eight ( 8 ) were endorsed to Alliance CAS, Escrow Account # XXXX ( Remote Deposit Capture ). These payments were not included in XXXX statement of account of XX/XX/XXXX. Yet Alliance CAS wants to lien my property based upon wrongful false accounting data entries. Under the circumstances, I shall be highly thankful if you could kindly elaborate and clarify the following : In a real Commercial and Business world, if there is debt owed to the Creditor that Creditor sends timely reminders called STATEMENTS clearly showing the amount owed, date the debt incurred and clearly mentioning that the debtor is responsible to pay the debt or face further consequences. As I said above and as per XXXX statement, nowhere it was mention that a particular Invoice is Delinquent ever since XXXX. Does any Florida statute relating to HOA rules, by laws supersede the Federal Fair Debt Collection Practices Act ( FDCPA )? Or, Florida State FCCPA? Is there any rule or segment of the Fair Debt Collection Practices Act ( FDCPA )? that a Debtor not be given a Due Process of informing a pending debt or missed quarterly assessment before the matter was given to a Debt Collector ( Alliance CAS ) Is there any rule or segment of the Fair Debt Collection Practices Act ( FDCPA ) that a Debtor not be given an opportunity to check, verify and investigate the correctness and legitimacy of the alleged debt ( Quarterly assessment classified as delinquency assessment after four years without notifying to the Debtor )? Is there a prescribed time limit under the Federal Fair Debt Collection Practices Act ( FDCPA ) and Florida Consumer Collection Practices Act ( FCCPA ) that the Creditor can enforce when the debt was not notified nor reminded at reasonable intervals or times? I have all the documentation over thirty ( 30 ) pages of evidence over this matter. This is only for the time being. I shall be thankful if you kindly read and attend to the matter. Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
07/20/2020 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34761
Web
Dear Sir/Madam : Please see below my message to the owner of the collections agency where my Hoa sent me into collections for Hoa unpaid dues. I acknowledged that that I mishandled the dues and would work with the hoa to pay up. The HOA told me they will remove their charges. That was XXXX or XXXX. In XXXX, we were still trying to resolve things due to the pandemic. After months talking and trying to get help from the HOA, The HOA finally told me in XXXX that they have no input over the account and that alliance would be the one to remove or reduce the fines. So I emailed Alliance this message ... in XXXX when they got back to me about the account. I thank you in advance for your time and consideration for my matter. This is in reference to my original HOA dues of {$600.00}. There seems to be a major miscommunication. See, I have been trying to reach an agreement with the HOA since I received the first letter from Alliance for {$1100.00}. That was the first correspondence that I had From Alliances. If they sent another, I did not receive it. I immediately called the HOA and asked them to work with me and requested that they reduce the late charges. XXXX said he will. He said he would contact you all. I thought the HOA was the one charging the fees So I waited for him to do so then I contacted you all to check to see if he did and he did not. Between XXXX and XXXX, I called the HOA a few times but no one replied. I assumed everything was shut down for the pandemic disaster which we are currently still living in!! I kept calling them back and reached them in XXXX and they told me to call Alliance I called Alliance and a fella told me that XXXX sent me an agreement via email in XXXX. I searched for the email and emailed XXXX stating that the {$1000.00} was too much. She emailed me back and said it has changed. I thought great maybe the HOA adjusted the account to a lower amount. XXXX emails back at {$1900.00}. I was shocked. I had been trying to communicate with the HOA all the while to get the account down but they were bringing it up even when they saw that my intentions were genuine. I made sure to keep contacting them in an effort to reach an agreement even during the pandemic. I could not have been any more wrong. But XXXX comes to steal and destroy and to bring division amongst mankind. In my line of work I help people because that is what we are supposed to do as children of God. Love and help each other. Not to cause distress and heartache and wreak havoc. That's what I feel when I think of how I try to contact the HOA only to have the charges be increased so much in such a short time and in such a time. XXXX is at his best!! The Account went from a little over {$1000.00} to around {$1900.00} plus all during the Corona pandemic. Today I am asking you to please consider my account and the attempts that I have made to get it to a figure that would work for me. I am not working due to the pandemic and having a XXXX and a XXXX at home who aren't able to go to school or daycare. I am asking Alliance to please revert the fees back to the {$1000.00}. That is still too much for me to afford at one time and currently but I can pay some of it and make payments on the rest. I would certainly appreciate it if you can assist me please. The end of my letter to them. Here is their response to me : XXXX XXXX Account Specialist / Human Resources Phone : ( XXXX ) XXXX ext XXXX exext XXXX Web : www.alliancecas.com Make a Payment XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX CONFIDENTIALITY NOTICE : The information in this electronic message may be privileged and confidential and is intended for the use of the individual and/or entity named above. If you are not the intended recipient, you are on notice that any unauthorized disclosure, copying, distribution, or taking any action in reliance on the contents of the electronically transmitted materials is prohibited. If you receive this message in error, or are not the named recipient, please notify the sender at the email address above and delete this email from your computer. Receipt by any other than the named recipient is not a waiver of any attorney-client, work product or their applicable privilege. This is an attempt to collect a debt any info obtained will be used for that purpose. This communication is from a debt collector. On XX/XX/XXXX, XXXX XXXX EDT XXXX wrote : Hi XXXX, The association approves to waive interest of {$110.00}, as they did in XXXX due in exchange for a full payoff. And Alliance will reduce our fees by {$370.00} as we did in XXXX to offer you a settlement offer. Your new payoff balance through XX/XX/XXXX is {$2000.00}
03/09/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31322
Web Servicemember
I am a XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl. My XXXX, XXXX, and XXXX have been exacerbated as a result of this case. I received notice that my XXXX XXXX ( XXXX ), with the XXXX XXXX Homeowners Association, operated under the brand name of XXXX XXXX and Company, located at XXXX Georgia, ( XXXX XXXX XXXX XXXX, has been erroneously placed in collections with alliance Collection Agency. I received a letter from the collection agency- Alliance CAS , stating that the fees and costs due to the collection company are {$3900.00}. The charges are broken down as follows : Past due assessment of {$650.00} Past due Interest XXXX Collection Fees and Cost XXXX Collection Company Alliance-Cas Collection Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Florida -004, https ; // www.allliancecas.com/payment ( Me ) The property in question ( My Home ) XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My attempts to resolve the matter via the HOA as well as the collection agency have yielded only harsh, abrasive, and condescending tones from both parties. The HOA sent my case to the collection after they changed their address and did not provide me with a forwarding address. I was traveling and spending much of my time at a forward address and was not aware that the address to provide my payments had been changed. I continued to make all payments via the payment center at my bank and the checks were not returned so I assumed that the HOA received them. I was informed after the account was sent to collections that the Homeowners association had moved to a new address and had asked the post office to stop forwarding the mail to the new address. Some of the checks were cashed by the HOA, some were returned and some are still lost in the mail system. I did not purposely neglect to pay my debts. Upon my conducting my own research I learned that the XXXX XXXX Homeowner Association changed its address, and then later stopped the mail from being forwarded to them from the post office. I had no knowledge of these changes. The Homeowner association had knowledge that I was residing in Virginia, serving in the military, and attending school. I had been gone on and off since XXXX. They had my forward address, yet they never contacted me regarding the payments that were not received. The circumstances surrounding my late payments are unique and are not nefarious on my part. The HOA changed its address, and I did not receive notification of the change. My Bank XXXX XXXX XXXX has records of checks that were sent to this company on my behalf throughout the year XXXX and XXXX totaling more than {$800.00} some of the funds were returned some of the checks are still pending as they have been mailed but not cashed by the HOA. My goal is to settle this matter as quickly as possible. I am ready to pay the amount owed and ask my bank to stop payment on the below payments, however, It has been impossible attempting to resolve the matter on my own. This case has exacerbated my XXXX, my XXXX as well as my XXXX and XXXX. I am not able to concentrate or focus, I am deeply worried and really would appreciate resolving this matter ASAP. See below, a print out from my Bank, showing mailed payments to the XXXX XXXX Homeowners Association. The following payments were sent on my behalf from the Payment center from my bank. Account Number Post Date Check Description Debit Credit Status Balance Confirmation confirmation XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$100.00} ProcessedCfm # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} processed XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} Posted XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX REFUND XXXX XXXX Posted XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - {$100.00} XXXX XXXX Check # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} Posted XXXX XXXX XX/XX/XXXX XXXX XXXX HOme Association - {$50.00} XXXX XXXX Check # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PMT REFUND XXXX XXXX Posted XXXX XX/XX/XXXX XXXX XXXX HOme Association - {$100.00} Processed I believe that a telephone call or written letter by you on my behalf to MrXXXX XXXX of XXXX XXXX and company i.e. XXXX XXXX Homeowners Association, or to the Alliance CAS collection agency would facilitate the resolution of this matter. Thank you for your time Sincerely XXXX XXXX XXXX XXXX XXXX XXXX US Army XXXX XXXX XXXX
10/17/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 32712
Web Servicemember
On XX/XX/XXXX, I received the first and only correspondence from your company dated XX/XX/XXXX, regarding XXXX XXXX XXXX Fees. I made payment to HOA for {$350.00} per the statement I received in XX/XX/XXXX. There weren't any late fees stated in the statement. Alliance CAS, a collection agency states they sent me certified mail, but I refused it. This was untrue. I tried to enter into an agreement with Alliance CAS. They stated they would stop all fees once I entered into an agreement. All outstanding fees were paid to the HOA. I only owed collection fees to Alliance CAS. XXXX XXXX on almost every correspondence threatened to foreclose on my home. Every time I asked my a simple journal of the charges to understand why I owed them {$1800.00}, and how they came to that total. I signed an agreement to pay monthly {$120.00} for the {$1500.00} I owed in Alliance CAS collection fees per email with XXXX XXXX. However, I get a docu sign stating I need to pay {$120.00} down-payment, and {$140.00} for 12 months. Now she's stating I have to pay a $ XXXX monthly fee for the plan. She never stated that in any of our correspondence, and threatening to foreclose on my home again. On XX/XX/XXXX XXXX XXXX Wrote : On XX/XX/XXXX, I received the first and only correspondence from your company dated XX/XX/XXXX, regarding XXXX XXXX XXXX Fees. On XX/XX/XXXX XXXX XXXX Wrote : Since the last statement in XX/XX/XXXX, you have accrued late fees and collection fees due to non-payment. your balance will continue to grow if you do not resole this balance by paying in full or getting into a payment plan. I sent you a statement with the balance of {$1700.00} and you offered {$120.00} by 12 months which is {$1500.00}. The association nor Alliance has granted reductions. I have not received payments from the HOA to date. All payments need to be sent to Alliance until your account is out of collections. If they received your payments, they may forward them to Alliance to apply per the statue. I have attached the new one thru XX/XX/XXXX. I will waive the collection fees and late fees for XX/XX/XXXX if you would like to enter a payment plan on the balance of {$1700.00}. you accrued {$1.00} in interest for XX/XX/XXXX which will not be waived. On XX/XX/XXXX XXXX XXXX wrote : I received the ledger and it shows your payments were applied. I have sent the payment plan proposal for the 12 months of {$120.00}. Once I receive an answer, I will be in touch with you. On XX/XX/XXXX XXXX XXXX wrote : Good afternoon, Your proposal was approved. i will send you the agreement to sign in a separate email. Please send your down payment by XX/XX/XXXX On XX/XX/XXXX XXXX XXXX wrote : Good afternoon, We have only prepared the plan for what you asked for. You are in a monthly payment plan to repay the past due maintenance while paying your current maintenance in addition. We advised that there is a fee per month for this plan for about {$30.00} a month oppose to {$100.00} in collection fees and {$25.00} in late fees and interest a month. We did not charge you {$25.00} for receiving 2 checks. If you are unable to fulfill the terms of the agreement then Alliance will have no choice but to default you and continue our collection measures. I asked if I could pre pay to avoid more fees. No response. I don't believe they sent me notice. I have a copy of the one and only letter I've ever received. Two of my neighbors advise they used these same tactics with them, and filed foreclosure and liens on their property. Now I just want to pay them the {$1500.00} and be done. I don't want to be forced to pay my Homeowners Association fees through them at an additional {$30.00}. I called my HOA and they stated they haven't even put XX/XX/XXXX fees on the books yet. I have the entire email thread ; however, I'm unable to upload more than 10mb.
03/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30039
Web
This is a HOA collection. the documentation I will provide is information provided to me from Alliance CAS. Theis claim is against Alliance CAS & XXXX XXXX XXXX XXXX XXXX Homeowners association managed by XXXX XXXX XXXX. Due to previous delinquencies with the HOA I was unfairly targeted. The documentation provided reflects contradictory information both by Alliance and XXXXXXXX XXXX XXXX. I was charged over the rate of 18 % per year allowable by law. On XX/XX/XXXX I asked Alliance to validate the balance owed, I received the statement dated assessments through XX/XX/XXXX to reflect a balance of {$1700.00}. How was this derived? The statement on XX/XX/XXXX reflects I owed {$220.00} XX/XX/XXXX the annual HOA assessment was {$250.00} due XX/XX/XXXX of each year. The HOA sent this to collection with a balance less than the annual fee and the collection company tacked on erroneous fees including interest of {$740.00} for a balance of {$220.00}. The statement provided reflects fees and payments from XXXX which is well past the status of limitation. Per GA the statue of limitation states the HOA or COA must initiate an action to enforce the lien within 4 years after the assessment or installment first became due of which they did in XXXX, the won a judgement which is now past the statute of limitations as the judgement was never re affirmed.. On XX/XX/XXXX I reached out to Alliance to obtain a payoff as I was ready to pay my balance and asked if we could make a settlement. I was advised they would have to speak with the board and I needed to put the settlement offer in writing and they interned sent me the updated payoff balance of {$2700.00} which had increased in less than 2 months by {$1000.00}. I asked to pay {$1200.00} in a settlement, which was denied. Later that same day I was advised that the board stated that I had been late since XXXX ( due to numerous layoffs in the mortgage industry ) they would not offer a settlement and in turn reduced the balance to {$2500.00}. Please note the discrepancies between the 2 statements from Alliance. On XX/XX/XXXX the statement reflecting assessments through XX/XX/XXXX reflected on XX/XX/XXXX my balance was {$16.00}. I was sent to collection for a balance of {$16.00} which accrued {$1300.00} in collection fees/charges and {$920.00} in interest, {$150.00} collection processing for a balance of {$2700.00} for a debt due annually. XXXX XXXX were due XX/XX/XXXX in the amount of {$300.00} all of which was paid with the previous fees and assessment for XXXX for a total of {$2500.00} paid on XX/XX/XXXX. On XX/XX/XXXX a lien was placed on my home with malicious intent as the only way a lien can be placed in GA is if the balance owed is over {$2000.00}. The HOA did all this by adding interest because of previous delinquencies which are no longer due and payable. XXXX also provided me a statement from The preserves HOA which included delinquencies from XXXX with a running total of interest, collection fees, attorney fees which reflected a balance of {$2400.00} as of XX/XX/XXXX. the statement included no statute of limitation adjustments. Yet another contradictory balance validation I received. The covenants are attached which also state 18 % interest annual. After further review of the inconsistencies in all the statements, I felt I had to report Alliance XXXX XXXX XXXX properties and XXXX XXXX at XXXX XXXX XXXX XXXX for not validating my balance as required by law. The information they provided is contradictory and unjust.
03/19/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32712
Web
My first letter from the collection agency received in XX/XX/XXXX, which was dated XX/XX/XXXX. I received a statement for {$510.00}, and the letter stated intent to record a claim of lien. I immediately sent the initial dispute XX/XX/XXXX, as the amount due to the management company was paid as agreed of {$210.00}. I was disputing the interest, mail charges and other charges for a total of {$300.00}, and supplied a copy of the cashed check the management company received. We had made an arrangement to pay late and advised payment would be sent in XX/XX/XXXX due to damage from Hurricane Irma. Ticket was created XX/XX/XXXX, to dispute these charges. I Received response from collection agency on XX/XX/XXXX waiting on reply from management company, if no response case would be closed. XX/XX/XXXX, received notice of second request sent to management company, once again collection agency advised me if no response case would be closed. In the meantime I received a statement from the management company dated XX/XX/XXXX, showing they received the payment and there was a XXXX balance. XX/XX/XXXX, collection agency sent a response received from the management company and attached an invoice showing a XXXX balance from management company. XX/XX/XXXX, I confirmed response and supplied all supporting documents to confirm payment was made and there were no fees due from the management company. XX/XX/XXXX, collection agency asked for proof and sent me a new invoice and added a {$100.00} fee XX/XX/XXXX, saying interest due. I sent a follow up the same day once again showing the initial payment dates and times of the initial payment arrangement and the invoice dated XX/XX/XXXX, showing a zero balance. I also disputed the additional {$100.00} because my ticket was still in dispute and we never heard back from the management company supposedly until XX/XX/XXXX. XX/XX/XXXX, collection agency sent response stating dispute being reviewed. XX/XX/XXXX, collection agency stated {$100.00} could be reversed since this was in dispute and stated I had to show burden of proof and they would ask management company for updated ledger. XX/XX/XXXX, I sent response with all supporting documents and provided my burden of proof they request. I never heard back from the collection agency with an updated balance, they never reversed the {$100.00} fee while I was in dispute and on XX/XX/XXXX, I received a letter from the collection agency stating a lien has been filed on my property, and I owe {$1200.00} by XX/XX/XXXX. The last I heard was my file was in dispute and I was awaiting an updated ledger. There is no breakdown of the {$1200.00}, and during this time my case was in dispute.
02/22/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30115
Web
This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.
03/17/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32703
Web Older American
On XX/XX/XXXX, I have received an ACCOUNT STATEMENT GOOD THROUGH XX/XX/XXXX FROM Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Phone XXXX XXXX XXXX, e mail : XXXX stating the amount of {$6300.00} will be sent to collection. Alliance CAS letter did not give any details and how those amounts were arrived at. At this point, I would like to bring to the attention of CFPB as follows : 1. Original Complaint No : XXXX was made on XXXX/XXXX/XXXX XXXX. Alliance CAS reply received through CFPB on XX/XX/XXXX XXXX. I was given 60 days to respond. 4. Due to XXXX problems that led to XXXX my mobility was restricted during the month of XX/XX/XXXX leading to part of XX/XX/XXXX. 5. I have contacted CFPB explained the circumstances that were beyond my control. 6. I was given a 15 days grace period to respond to the reply of Alliance CAS. 7. Finally I have given my response on XX/XX/XXXX under a new Complaint under file XXXX : XXXX honestly believing that this response will be forwarded to Alliance CAS without fail. 8. I was told that I have to submit my response to the answer to Alliance CAS under new clam # XXXX which I did. 9. Since I did not get any response, contacted CFPB by phone on Friday XX/XX/XXXX only to find out the contents of File # XXXX were never forwarded to Alliance CAS. 9. By not forwarding my reply, I strongly feel my rights to be heard were compromised. 10. The Agent, XXXX informed their system did not recognize the XXXX # XXXX as my response to the response of Alliance CAS . 11. XXXX informed that I should make another New complaint adding the above two File XXXX. Hence, I hereby submit a new claim and attach the following documents in support of my claim for your review, verification and resolution of my agonizing XXXX issues Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
10/01/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33614
Web Servicemember
Collection Company : Alliance XXXX, XXXX, FL In XX/XX/XXXX there was a debt collected which I did not dispute and pais in full. I Noted that the address the originating HOA had on file was incorrect and gave correct address as well as permission to coordinate payment with my property manager. Neither happened. The HOA still has and address I have not lived in since XXXX, and collection company has that address and addresses I have never lived on file. A new account was sent to the same collections in XX/XX/XXXX. Collections did not email me until XX/XX/XXXX, and added around {$2000.00} in fees since then. HOA has also sent emails showing both companies had a way to reach me and chose not to do so. Collection company also noticed " duplicate charges '' on the original balance sheet, further highlighting incompetence. I should not be penalized upwards to {$2000.00} because both companies, especially collections, did not do their due dillegence to contact me. Especially because collection companies are notorious for excessive phone calls/contact, it seems this was a tactic to let the fees stack up before reaching out. When explaining what had happened, collections responded with " it is the responsibility of the homeowner to pay their debts '', I asked how am I supposed to pay when I received nothing about what I am paying, who I am paying and where to pay it, the representative interrupted me saying that if I continue to be angry she is going to hang up on me. When I asked " you are going to hang up on me while I am explaining that you are ignoring everything I am saying? ", again she interrupted, said " yes '', and hung up.
03/10/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32712
Web Older American, Servicemember
I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.
09/19/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
I made a complaint against this company with you on XX/XX/2018. Finally received a response in XX/XX/2018. Alliance stated : we have been authorized to present the attached settlement proposal. Upon receipt of the payoff funds, the Claim of Lien will be satisfied and the account will be closed with Alliance, per standard operating procedure. The balance they were requesting was {$650.00}, I responded to them to let them know I was agreeing to this payment. I also asked to make three installments as we are a family below poverty level. I received a response back stating I now owe {$750.00}. This was within a few days of the settlement. They are trying to extort additional funds I do not have the means to pay. I want this settled once and for all and that is the reason I will agree to pay only the amount of {$650.00}. They are using stall tactics in responding to me and then charging collection fees. There should not be any collection fees when the company does not validate the initial debt due. They never provided a final payoff as requested back in XX/XX/2018. I go to pay the agreed settlement amount and they want more.They are also making false statements as the lien has never been recorded with the county. I just want this done with and will pay the {$650.00}. I do have consumer rights and they are being abused by Alliance CAS. Please resolve as they have proposed with the initial settlement of XXXX.
05/06/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30141
Web
The facility is trying to over charge me for an account that was transferred over to them from another company. The original debt was incorrect. We went on for years. I tried to resolve this issue year after year. The last time I currently reached out to them, XX/XX/XXXX, I was told that they know nothing about my account and that it has been transferred out to another firm. When I contacted the other firm I was told that they did not have my account either. I then reached out to my property management, XXXX XXXX XXXX XXXX and paid the money to them that was due. Once alliance realize that I was paying the full balance they magically had my account again! They then reached out to me for a balance that went from {$800.00} to {$8900.00}. They were charging me well over {$5000.00} in fees just to collect. Account number XXXX. I have tried and tried still to resolve this and I am not getting a result. They placed a lien on my home for {$1200.00}. I paid all money on the property. The lien still remains on my home. The manager XXXX seems to be more interested in stopping me sell/refinance my home then she is in resolving the situation. They have yet to make or accept a settlement from me on this manner. In addition, they have charges for me in XXXX, during the pandemic when all other accounts, ie federal loans home loans, was on hold, they were still charging and running up balance.
06/02/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30019
Web Servicemember
I have tried to pay my HOA fees and have been denied on numerous occasions and blocked from the website the community uses I have asked for a meeting with the board and never recieved a response. I have made numerous offers to pay down my fees to bring them current and I'm constantly denied but paperwork is being processed and I have yet to be summons to court for a hearing. I have also been in contact with XXXX XXXX i reached out a month ago with making a payment offer that he is going to see if the board will accept my offer to pay once again I'm waiting on a response but as of today XX/XX/23 I received a foreclosure letter out of no where when I've been waiting on response from the board with acceptance offer made a month a no one is giving me the fair chance to make payments snd actually explain what's going on or have I been able to be in a hearing to explain my hardship. All I would like to do is bring my assessments current and be caught up. The Hoa is using illegal practices against its home owners and using an attorney that doesn't identify himself as a debt collector.
10/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33161
Web
As of XX/XX/XXXX the XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX altered our maintenance fees, but didn't notify the unit owners. I found out this some 45 months later when i received the letter from debt collector ALLIANCES CAS. : COLLECTION DEPARTMENT, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA XXXX, on XX/XX/XXXX Now they claim {$13000.00} for the maintenance fee difference, plus the management falsely claimed the maintenance fees for XXXX, XXXX and XX/XX/XXXX which i paid on time, and they already deposited long before they sent me the notice letter about this debt. As soon as i sent them the proof of payments they kept very quiet about this. They made an attempt to collect fraudulent debt but it didn't work out for them. I have an other issue with the same debt collector, i am getting this letters claiming i owe debt but i sent them the proof of seven ( 7 ) monthly payments, and now if i don't pay {$3500.00} within 45 days a lien could be placed on my apartment. This notice letter came on XX/XX/XXXX XXXX
04/30/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 338XX
Web
I was laid off due to COVID, and was having trouble with mortgage payments. The mortgage company, modified the loan, and then issued new dates to start making payments, during this time the Homeowner 's Association, sent a bill, in which we had trouble paying for {$400.00} for the annual payment. I tried to let XXXX XXXX XXXX Homeowner 's Association know that, we had trouble making the payments, but by then they had turned the account over to Alliance CAS, in which {$400.00} was paid for the missed yrly payment, now Alliance CAS sent a letter stating we now have at pay them, over {$2800.00} in total for lawyer fees and other fees, including the fees due. I wanted to speak with the original creditor, which is XXXX XXXX XXXX XXXX. to make any payments, in which I was contracted with them to do so. There was no understanding from the Homeowners Association, on the part of trying to work out a payment at the time, and anything paid to them is not going to XXXX XXXX 's but to Alliance CAS.
01/08/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32807
Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX They did not send me any notification that they were new association or that anything was even owed. One day I receive a lien on my house and debt collection for {$150.00}, and fees close to {$300.00} now at the collection agency. I call to ask why they didnt send any notifications at all and they said they don't do that. What? I have a very sneaky suspicion that these people have an under the table deal with this agency as I've heard from many people in my neighborhood and online who had the exact same issue. No due diligence is done to simply inform people that something is due and how to pay.
10/01/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90049
Web
We had a death and change of address in the family where we did not know an HOA changed, we had auto payments going to the wrong address which I provided a death certificate and proof. Once we found out it was too late and the HOA payments went to collections. I engaged with the collections agency and told them what happened but they would not accept my offer to pay the due fees and insisted on exorbitant legal fees. They never were in contact with anyone so why would they go in this direction. They won't accept my fair offer.
08/17/2021 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30078
Web
I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?
05/24/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AK
  • 99505
Web Servicemember
04/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30043
Web
06/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29369
Web
01/04/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33703
Web Older American, Servicemember
05/18/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30168
Web
03/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30115
Web
01/14/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30019
Web
06/24/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33635
Web
06/01/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • FL
  • 33009
Web Servicemember
05/04/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11104
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