Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance Collection Agencies, Inc. (IL)

In XX/XX/XXXX2021 I received correspondence from Alliance Collection Agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX about a medical debt they said I owed. Wrote back to them denying the debt, asked for verification. They responded within 30days. 
I called them on XX/XX/XXXX, explained that I was unemployed due to a surgery and Covid, but I wanted to pay something on the bill to keep it from going on my credit. The representative XXXX explained that she understood and told me the balance of what they said I owed which was {$940.00} more than what they verified to me in our correspondence. I told her I had a different amount which was {$460.00}, at that time, and that I did not agree on any unverified amount and would need verification to agree to any amounts other than what I called about. ( They never sent verifications for the additional amount ). She then asked how much I wanted to pay, I told her again that I am unemployed and didn't have much but could pay {$50.00} at that time. She said she understood and that to just continue to pay what I could. I agreed then proceeded to give my debit card over the phone. Authorized the one-time payment and got the confirmation number ( XXXX ). I asked again how much I owed ; she then gave me the balance of {$410.00}. Never once did she say the payments that were owed to the original creditor were divided into different accounts and that the payments were not going towards the entire balance. 
Subsequently, I paid them monthly via their website. Last payment being on XX/XX/XXXX confirmation In XX/XX/XXXX I received correspondence from Alliance Collection Agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX about a medical debt they said I owed. Wrote back to them denying the debt, asked for verification. They responded within 30days. 
I called them on XX/XX/XXXX, explained that I was unemployed due to a surgery and Covid, but I wanted to pay something on the bill to keep it from going on my credit. The representative XXXX explained that she understood and told me the balance of what they said I owed which was {$940.00} more than what they verified to me in our correspondence. I told her I had a different amount which was {$460.00}, at that time, and that I did not agree on any unverified amount and would need verification to agree to any amounts other than what I called about. ( They never sent verifications for the additional amount ). She then asked how much I wanted to pay, I told her again that I am unemployed and could only pay {$50.00} at that time. She stated she understood, and to just pay whatever I could afford. I gave her my debit card number, she charged it and came back with confirmation number ( XXXX ) Subsequently, I paid them monthly via their website. Last payment being on XX/XX/XXXX, weeks before they reported it to the credit bureaus for late payments stemming back to XXXX. Also, they reported to all 3 of the credit bureaus that I owed on 3 separate accounts which one of them was only {$1.00}, and illegal to report on according to law. The three accounts they reported are really one account and should have not been allowed by the credit bureau to report as such, Especially, the one for a {$1.00}, and the fact that I was paying regularly on the account. 
On XX/XX/XXXX I contacted Alliance Collection Agencies to discuss why after paying them for the aforementioned debt they still reported falsely, and illegally to the credit bureaus. Representative XXXX responded by asking my name which I gave, then she proceeded to ask for my last 4 of my SS number. I responded with pardon me? She repeated and before I could answer, she just abruptly hung up. I called back thinking we may have been disconnected, but no answer and was sent to voicemail. I waited a while longer then tried back, sent to voicemail again. I feel unfairly treated, that they had no intentions of holding to their agreement, and that they just wanted money and to ruin my credit purposefully. Hence the {$1.00} debt reported to the bureaus.