Consumer complaint received 2023-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Khoury Alternative Claims Management (CA)

On XX/XX/XXXX I was contacted by a company called ALT CLAIM MANAGEMENT ( Alternative Claims Management, LLC ) acting as a claims department for XXXX XXXX XXXX, attached to the email is an invoice for {$440.00} for alleged damage and a claim debt was being demanded. 

Alternative Claims Management, LLC email has a FDCPA statements like this is debt collector, attempting to collect a debt, you have 30 days to dispute this notice I certified mail a Debt Verification/validation letter on XX/XX/XXXXXXXX  enclosed a dispute letter with demand questions to prove their alleged claim. A notarized affidavit of truth stating that i made no damages, included was photographs of the undamaged vehicle in an exhibit. 

In the same letter I asked Alternative Claims Management, LLC for their license to do business in California as Corporate business and Debt Collector seeking to collect a debt in California. 

Within the 30 day period after I sent my dispute letter, I made two phone calls to ALT CLAIM MANAGEMENT, I was told the debt was in dispute and a manager would call me back, which I never received. I also asked to have further communications via certified mail so I may keep for my records, as the lady over the phone stated No physical mail has been sent out, only email communications. 

45 days later I email on XX/XX/XXXX asking for a proper response to my dispute as I have yet to receive any mail as I requested by my last phone call on XX/XX/XXXX, ON XX/XX/XXXX I received a email in response to a again demanding to pay the debt, without providing a proper validation another then these statement made in a email the car had no damage you are responsible to pay On XX/XX/XXXX I sent a response to email to alt claim management citing cases where i am within my right to due process and dispute any allegations made towards me, They responded with another email with 4 pictures of XXXX ( car rental ), attachments where the 1. pictures, 2. Checkout ( * Rental Return Confirmation Record ). 3. Terms and Conditions Pictures- The Claim is for an alleged damaged windshield. The Pictures attached show a dirty windshield with red circles, with no descriptions, or details to what the red circles on the windshield define or mean. 
Checkout - The Car Rental Confirmation is time stamp XXXX after we returned our rental at XXXX, it contains the same pictures, again with no written or type description alleging any damages. Below the pictures is a URL Link here it is XXXX XXXX XXXX the video link shows a employee doing a walk around the XXXX, stating Everything good no damages again this recorded was provided by ALT CLAIMS MANAGEMENT and XXXX XXXX  XXXX and states clearly that no damages on the XXXX as i stated in my affidavit of truth with my original dispute letter. 
Terms and Conditions - states that XXXX XXXX XXXX  may provide my information to other parties relevant to their business model. Which they highlighted paragraph 14. Yet it does not give them consent to contact me nor did I ever consent to being contacted, that is why I asked for further communication via mail. 

ON XX/XX/XXXXXXXX  they sent another demand letter, every time we tell them the truth and state my debt verification has NOT properly been addressed, they state that I am lying and that the vehicle was returned damaged. And there is no need to address the dispute as all damages are my responsibility. I feel bullied by them, as a consumer. 


They are only giving me an option to pay for the alleged claim. I feel pressured because they state they are not debt collectors, but hold an active debt collector license in Nevada as Alternative Claims Management, LLC and XXXX XXXX XXXX with the exact same business name and address as listed in the emails I receive from them. I included them in attachments. I sent my dispute letter and was never responded to and they continue to try to collect, stating their taking the claim to the next stage, but wont define what next stage means. It is creating fear as I have already provided proof in my affidavit of truth with attached pictures showing no damages. They also emailed me on XX/XX/XXXXXXXX  on attachment 2 Checkout an email attached with a link showing an employee ( after I returned the rental ) walking around the jeep, with the same license plate number, saying that no damages, everything is good. As I mentioned in point 2 above. 

I requested multiple times for a debt verification to my original dispute and they have failed to provide me with one. Alternative Claims Management, LLC does not provide a valid California Debt Collector License Number on any communication they have sent me, and continues to pressure me to pay for something that is false.