Consumer complaint received 2023-02-16
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX Phone : XXXX This company has used several tactics to attempt to collect a debt, none of which involved any due diligence on their part, all while refusing to provide a debt verification letter upon request. I last spoke with a representative today, XX/XX/2023, who stated that she would not send a verification letter, and that I can come into their office if I want XXXX. I'm not entirely sure how I would, given that they never provided any communication with an address or even phone number ( I had to find it on my credit report ). I proceeded to ask if she can verify the debt amount over the phone. I explained that I had spoken with the original creditor who showed that it is half the amount being claimed by XXXX, and it appears that XXXX is attempting to collect for both myself and ex-husband 's overdue memberships that had been previously auto-deducted from his checking account alone. She proceeded to speak over me, exclaiming that it is under my name and that makes it my debt. 
While trying to explain further, the woman cut me off, told me to come into the office if I need a letter, and proceeded to tell me she has my picture and all my information. This is threatening and highly unprofessional to say the least. She hung up on me after yelling at me to take a " time-out. '' I have since reached out to the original creditor 's billing manager who also confirmed that XXXX is incorrect in attributing the full amount of these memberships to my name alone. The billing manager also confirmed that it is a violation of the Fair Credit Reporting Act to refuse a verification of debt letter upon request. 
This is the most recent interaction with XXXX. My experience with this company began in XXXX of last year when I first saw my credit report had been damaged by their collection without any prior notice to me or attempt to collect from me directly. I had never received a notice, call, email, or any type of correspondence from XXXX until I called them at the number on my credit report. When I asked a representative for dates and times of their alleged collection calls, I was able to see in my phone records that they had never called me. Further, they did not send any notice by mail. After I called the first time, XXXX then began to call often-establishing their correspondence. Before this time, XXXX did not practice any due diligence in an effort to resolve the debt with me directly, never called, apparently did not bother to confirm the debt amount in the file provided to them by the creditor, and now refuses to confirm the debt once in collections. 
This company and their gaggle of agents are highly unprofessional, lazy and predatory. Their conduct and speech are troubling and their collections practices are highly concerning. They should be considered for further investigation. Based on the reviews by others on their public record, I am not alone in this and they have been similarly unprofessional and predatory with others.

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