Consumer complaint received 2019-11-06
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection co. is famous for taking on accounts they actually think they can collect on without any facts. This is the 2nd time I've had to complain to you about them for doing exactly that. XXXX 's agent who sold me an auto policy committed insurance fraud. They have the call to prove it but refused to resolve the issue when I complained. XXXX agent lied about XXXXs policies. I've had enough of them to know that they don't change things frequently. He lied by telling me that they " now '' did 12 month policies with really low payments and no ACH required. I was onboard if it was true but it wasn't! One of the customer service reps told me AFTER I signed up that it wasn't true and exactly what happened on my policy. She told me that he signed me up for the 12 mo. on XXXX standard policy WITH ACH payments only! I told him point blank on that call several times I didn't want ACH payments. XXXX changes their payments monthly and my budget couldn't handle those fluctuations so I went with billing for {$6.00} more a month. But he lied, set me up to sign a document that had auto pay sign up tucked in it where I couldn't see it easily, I signed it inadvertently trusting the person on the other end of the phone to have my back, that I was supposed to be able to trust, that should've had some integrity but clearly didn't. More than a month went by and I didn't get a bill. That's how I found out about the ACH payments from the CS rep. I called to find out why I hadn't received a bill. She laid out exactly what transpired on my account and apologized for the agent 's unethical and very unprofessional deceitful practices. Each time I sent him emails to fix the problem, he never responded. They were not nice emails either. Then one day my account was debited and ended up on the over draft. I disputed the charge and told my bank exactly what transpired. My bank went all the way back to the originating transaction and reversed it all out and was prepared to let XXXX know they demanded to be paid back for the fraudulent activity they created on my account without my knowledge or express permission. I told that shyster agent numerous times on the initial call I DID NOT WANT ACH PAYMENTS!!! He kept assuring me that I wasn't on them. Well he lied and XXXX protected him. I complained but got no where with XXXX. In the interim they kept billing me but I'd canceled the policy and refused to pay them for the fraud they committed on my account. I told my bank to not reverse the deposit I gave them but to definitely refuse payment on the payment they tried to illegally steal from my account! The bank 's practice is to reverse ALL transactions for a creditor that commits fraud. It took a lot to talk them into paying the deposit. XXXX kept billing me and I discontinued paying them. Since they refused to address the fraud their agent caused by lying to me and doing as he pleased for the sake of a commission check, I declined to pay them NOW or EVER!!!! I will NOT pay for fraud!! So AWA really needs to start representing better clients. They have a way of choosing the sleaziest of sleazy!

Company response to consumer: Closed with explanation