Consumer complaint received 2021-06-22
Company: Alliance Group & Associates LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call at approximately XXXXXXXX XXXX on XXXX from a manager at Alliance Group and Associates LLC. The agent asked for me and then stated the last 4 of my SSN and asked me to confirm that it was mine. I did and he stated that I owed XXXX for a XXXX XXXX XXXX account. I responded that I did not have an XXXX account and he stated that opening an account and making all but the last payment was not generally how fraud worked and that I needed to pay the account. I asked for his manager and he refused. When I asked for additional information he refused that and stated he was not wasting his time with this over a XXXX dollar debt and hung up on me. At this point I was concerned that my personal information had been leaked and this was a fraudulent attempt to gain access to my credit card or some other payment information. 

I called back to XXXX and was connected with another agent. I inquired to who they were and what this was about. I was informed it was Alliance Group and Associates LLC and that I spoke to another associate minutes ago. I voiced my concern that it was nature of the call seemed fraudulent because of how the call was handled. I was informed that it was his supervisor that I spoke to and the agent offered to go over the information again. I accepted. The agent then verified my the last 4 of the SSN and informed me this was an attempt to collect a debt and they were collecting on an XXXX account for XXXX. I asked for validation of debt, which was denied due to the amount of debt not being worth the effort. I was told my options were to pay the debt and get it off my credit or dispute it and " see how that works out for me '' I asked if they were reporting to the credit agencies and the agent stated they were not but their client XXXX and XXXX XXXX was. I asked once again if they would send me information they had on file and was again refused. I was provided with the account number and told to figure it out myself. The agent on this call stated that a XXXX dollar debt was not worth putting any additional resources into it on their end, especially since I knew it was a " valid and just debt ''. I got the account number and attempted to have a discussion regarding the Fair Debt Collection and Practices Act and the agent terminated the call. 

I then looked into the account after getting off the phone with the 2nd agent and immediately contacted XXXX. They verified the account was legitimate but that there was no SSN tied to the account ( which Alliance had used to confirm I owed the debt ) They stated it was opened in XXXX and the last payment had not been received for the purchase. I also have a copy of this communication which can be provided. 

I do not owe this alleged debt and I fear that multiple potential violations of the FDCPA, FCRA, and UDAAP have occurred based off the refusal to validate the debt, claims of this debt being negatively reported on my credit, and brutish tactics meant to scare individuals into paying accounts instead of confirming the validity of claims made against them. 
Additionally, due to claims made by the agent that they are doing work on behalf of XXXX and XXXX XXXX, I believe there is not the correct amount of oversight involved to ensure that consumers are treated fairly in this process by Alliance Group and Associates LLC.

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