Consumer complaint received 2023-03-14
Company: Alliance CAS, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
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.

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