Consumer complaint received 2023-10-18
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Alliant Capital Management LLC (WA)

I had two open line of credit accounts with XXXX. After placing both accounts on a payment plan through XXXX, financial hardships prohibited me from meeting the obligations of that payment plan. After a couple of months, I was notified through the email below that XXXX sold one of my line of credit accounts to Alliant Capitol Management. 

On XX/XX/XXXX, I received the following email from Alliant Capitol Management XXXX Alliant Capital Management LLC : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX - Toll Free : XXXX https : XXXX Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX Consumer : XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Acct # : XXXX Account Balance : {$2400.00} XXXX XXXX Alliant Capital Management is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX, XXXX. We will use any information you give us to help collect the debt. 

Our Information shows you had an account with XXXX XXXX XXXX with account number XXXX. 

As of XX/XX/XXXX you owed : ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX Between XX/XX/XXXX and today : You were charged this amount in interest : ... ... ... ... ... ... ... ... ... ... ... ... XXXX You were charged this amount in fees : ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... XXXX You paid or were credited this amount toward the debt : XXXX Total amount of debt is now : {$2400.00} How can I dispute the debt? 

Call or write us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. 
What else can I do? 

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collections until we send you that information. You may use the form below or write to us without the form. We accept request electronically at XXXX. 
Go to cfpb.gov/debt-collection to learn more about your rights Under federal law. For instance, you have the right to stop or limit how we contact you.

Contact us about our payment options. You may also call us at XXXX during the business hours listed below and speak to any representative. 
Notice : See below for important information. 

Cut along the line to return payment. 

Mail this form to : Alliant Capital XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX How do you want to respond? 

Check all that apply : [ ] I want to dispute the debt because I think : [ ] This is not my debt. 
[ ] The amount is wrong. 
[ ] Other ( please describe on reverse or attach additional information ) [ ] I want you to send me the name and address of the original creditor. 

[ ] I enclosed this amount : $ ___________ Make your check payable to : Alliant Capital Include Reference ID : XXXX NOTICE : SEE BELOW FOR IMPORTANT INFORMATION Please Note : We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state laws. 

California Residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

On XX/XX/XXXX, I sent a response to Alliant via email asking for validation of the debt. As of today XXXX, I have not received a response. In between the first communication via email, and now, I received several phone calls, and voicemails on both my work, and personal cell from a XXXX calling from spoof phone # XXXX. XXXX left a callback # of XXXX XXXX. I finally returned the call on Friday XX/XX/XXXX, and spoke directly to XXXX whom informed me of two accounts transferred to Alliant from XXXX XXXX. During that call, I advised XXXX of my dispute of the {$2400.00} charge. XXXX brought up a 2nd account in the amount of {$1400.00}. According to XXXX, I was sent a settlement offer via email ( XXXX couldn't confirm date sent ) offering a 50 % discount on the combination of the two charges. I advised XXXX at that time, I did not recall receiving that offer. Near the end of the conversation with XXXX, I was given an offer of 40 % discount if I could begin making monthly payment, with a 10 % down payment today. I advised XXXX, I would not be able to make any payments that day. XXXX asked when could I make my first payment, and I advised I would not be able to do that until XX/XX/XXXX the soonest to avoid compromising living expenses. XXXX asked how much I would be able to pay monthly beginning XXXX, and I advised XXXX I would take the weekend to think about it, and get back to him the following Monday. 
I contacted XXXX @ the number/extension left on my voicemail on Wed XXXX. My plan was to advise I would pay {$120.00} on the XXXX and XXXX of the month to accommodate both accounts. XXXX then stated he could not honor the 40 % discount, and started to deny what we discussed on Friday XXXX. XXXX then transferred me to his manager who advised she would only be able to offer a 20 % discount, and rudely ended the call with no resolution, and no validation of debt.