Allied Account Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30045	Web
I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .
11/08/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 062XX	Web
I was receiving gas and electric services from XXXX XXXX in Rhode Island, then closed my account when I moved out of state. I received a bill for services, then a reimbursement check for overpaying. I cashed the check thinking that my account was successfully closed now. Later, I received a letter from Allied Account Services on XX/XX/18 for {$120.00} stating that it was a attempt from a debt collector to recover a debt. This has shown up as a derogatory mark on my credit report. I disputed with Allied, who stated they would contact XXXX XXXX. I was sent information stating that there were 2 accounts, one for gas and one for electric, and I had overpaid on one and underpaid on another. Despite receiving a reimbursement check ( and thinking payments were appropriate once the check was cashed ), I still owed on my other account. I contacted Allied again and requested a pay for delete agreement. An Allied representative told me she could take payment and that XXXX XXXX had just started allowing them to tell customers that the mark would be deleted from credit reports within 30 days from date of payment. I asked for this in writing but was declined. I did not make the payment. I called XXXX XXXX and again requested a pay for delete agreement in writing, and a representative told me that this wasnt possible and also the derogatory mark would not come off within 30 days, but I would have to dispute in order to have it removed. I did not make payment.
08/28/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	NY 11520	Web
I had a private student loan from XXXX University XXXX XXXX XXXX that I defaulted on. The account was sent to Allied Account Services. Ive been paying the account but certain things were not explained clearly. They are charging interest plus Creditor added fees. I was told by allied that they could collect additional fees these fees were over {$1500.00} on a {$5800.00} debt. I dont think that the original balance reflected a payment that I made before the account was sent to collections. I do not know how they calculate these fees. In addition I am being charged Interest. The interest rate is supposed to be 5 %. My monthly bill does not always have an accurate interest amount stated. For example on XX/XX/XXXX the interest charged was {$1.00} on principal amount {$2700.00}. The creditors fees was {$11.00}. On XX/XX/XXXX the interest was {$220.00} principal amount was {$1800.00}. The creditors added fees was {$62.00}. Why is the interest and creditor fees going up? Heres another example : In XXXX XXXX the principal was {$5800.00} the interest charged was {$680.00}. Added creditor fees was {$1400.00}. In XX/XX/XXXX the principal was {$5500.00} interest {$21.00} creditor fees {$1000.00}. I requested information on how interest is calculated from Ms.XXXX.
11/22/2015	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	AL 35226	Web
Was working on my XXXX at XXXX University and had almost completed the program except XXXX course, XXXX XXXX, and XXXX and was receiving financial aid thru the XXXX. Became ill and had to undergo XXXX and XXXX that lasted from XX/XX/XXXX-XX/XX/XXXX, with ongoing treatment ; however, I requested a leave of absence from the school and was granted a 2-quarter leave -- which is only 4 months. Student requested an additional leave on the grounds of medical and was refused, requesting personal medical records from my XXXX. My XXXX wrote a letter to XXXX University, and that is the way I received an additional leave of absence. Also, student had reached the financial aid lifetime aggregate, but XXXX University kept the student enrolled and billed the student with the student owing XXXX University instead of the federal government. This is a scam, to say the least. XXXX University had turned this bogus account over to a collection agency -- Allied Account Services, and this company is relentless -- will not listen to reason and keep digging into my personal files at XXXX and submitted the documents which has no baring on this bogus account.
12/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11203	Web
DEAR ALLIED ACCOUNT SRVS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX COLLEGE ORIGINAL AMOUNT {$2300.00} PLACED FOR COLLECTION : XX/XX/2019 PARTIAL ACCOUNT NUMBER : XXXX SINCERLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
05/23/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 023XX	Web
I recently sold my house, after which I owed my utility {$1100.00}. After my move on XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at XXXX XXXX XXXX , XXXX NY. I called on XX/XX/XXXX and paid {$500.00} with the understanding of paying the balance in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score dropped over XXXX points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!
04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 111XX	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11216	Web
My husband and I received a letter from a company called Allied Account Services Inc. with the phone # : XXXX-XXXX-XXXX and an address of XXXX XXXX XXXX, XXXX, NY XXXX suggesting that they are trying to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/19. I knew we had no outstanding amount with XXXX XXXX XXXX and confirmed in my records and with XXXX directly that everything was paid. XXXX confirmed that they were in no way attempting to collect a debt and that this company, Allied Account Services Inc., is a fraudulent company trying to collect false debt. The amount was {$14.00}. I assume they chose this amount, hoping it was low enough that we would just pay the debt without checking.
07/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.
10/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19810	Web
Allied Account Services placed a collection on behalf on XXXX XXXX? We were never notified of any outstanding balance by XXXX XXXX or Allied Account Services. I am unsure what the bill could be for, however we owned a home in Rhode Island and have sold and closed the sale on home in XXXX. At closing any bills owed would of been paid. Electric and Gas were transferred to new home owner at that time. I find this to be harmful and possibly illegal by both XXXX XXXX and Allied Account Services. We have had no communication with either company.
10/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NH 03431	Web
Allied account services reported me to the credit bureaus for delinquent payment on my final bill. Due to Covid national grid did not send a final bill till XX/XX/2020. By that time they sent it to collections. Allied account services did not even try to contact me. Had they contacted me they would of known I had already paid the bill in full. They report inaccurate information to the credit bureaus. They knowingly do this. Reporting inaccurate information to the credit bureaus is against the law.
02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 024XX	Web
I was contacted by Allied Account Services Inc, XXXX XXXX XXXX, XXXX, NY XXXX, phone # XXXX XXXX. I XXXX XXXX in R.I. that rents units to various tenants. These tenants set up individual accounts for utilities with XXXX XXXX ( R.I. ). A tenant did not pay their bills. I called XXXX XXXX, as far as they were concerned, I was not liable, but this collection agency just wanted anyone associated to try to collect. They have reported me as in debt and are trying to ruin my credit rating!
02/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02780	Web
I'm not sure what's going on here, but I personally spoke with the collections company and they clearly mentioned that once it was paid that they will remove it from my credit. It was removed from XXXX and XXXX, however, XXXX still reports incorrect balance and payment status. Again, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report.
07/29/2020	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	NY 11710	Web
I have a loan with XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
02/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11411	Web
Today is XX/XX/XXXX, I have not receive a letter or bill from XXXX XXXX XXXX with XXXX XXXX XXXX XXXX College. I did get a letter from Allied Account Services Inc with XXXX XXXX creditor for {$850.00}. I was confused about who and where this bill is with. I did not know that I could dispute it. There was not a letter sent out saying that I could dispute the bill.
01/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07103	Web
The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.
03/21/2020	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	MA 02301	Web
I do not know this account reporting with balance that they said I owe. I have no affiliation or any participation with them that is why I am trying seek help from you guys to help me resolve this by removing their reported account that does not belong to me.
07/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 027XX	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
08/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 023XX	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
05/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11354	Web

07/18/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28376	Web	Servicemember

07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30341	Web

06/23/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	NY 11415	Web

05/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11415	Web

02/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07304	Web

01/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	RI 02859	Web

10/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11415	Web

09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10024	Web

06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web

03/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CT 06608	Web	Servicemember

10/03/2016	Yes	Debt collection Credit card	False statements or representation Indicated committed crime not paying	LA 71251	Referral

09/08/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	NY 11101	Web

01/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22026	Web	Servicemember

06/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NJ 08817	Web

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08090	Web	Servicemember

10/27/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	FL 32570	Web	Servicemember

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94965	Referral

05/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75904	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30066	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30066	Web

07/21/2013	Yes	Student loan Non-federal student loan	Repaying your loan	MD 21220	Web