Consumer complaint received 2018-10-17
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation