Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

I had set up a payment plan with Alliance One Receivables Management INC., this payment plan was set up to pay a fine for a grand total of 470.00 including the fee for setting up the payment plan with them. The fine was handed out to me by Superior Court for the City and County of XXXX XXXX on or around XX/XX/XXXX. I was unable to pay the full amount that day, so I was informed I could make or set up a payment plan with this agency. I was handed a card and told to call them in about 14 business days. 
After setting up and making the arrangements to make payments, following the XXXX XXXX weekend, in XX/XX/XXXX. 
I recieved a letter from Alliance One dated XX/XX/XXXX that stated the amount past due was for {$470.00}. 
I had set up XXXX payments of 150.00, with a final payment to pay off the remaining balance of {$20.00}. 
The payments took place as follows : XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$150.00} [ overpayment of {$130.00} ] On XX/XX/XXXX, I checked my bank account to see if the last payment went through. It was then, that I found out I was overcharged {$130.00}, WHEN it should have been only a {$20.00} payment, as I had already paid {$450.00} of the {$470.00} off. 
I called XXXX XXXX on XX/XX/XXXX or XXXX XXXX to find out about this mistake. I was put on hold, while XXXX, looked into the issue. When XXXX returned with the information, she went on to inform me that I had recieved a speeding ticket in Washington State on XX/XX/XXXX, and never paid the fine, so it was automatically added to my account, without ever asking me or without my approval. I was never told when they found out about this ticket, or when it was consolidated with the {$470.00}. 
I went on to explain to XXXX, that I have never ever been to the State of Washington, ever in my life. That I have never heard of XXXX County or even how to spell it, until i googled it, or I any idea where it in fact was, in Washington State. XXXX told me I would have to resolve this with my BANK, and not the party who withdrew the extra funds. 
When I contacted, XXXX county, on XX/XX/XXXX ( at XXXX XXXX PST ) they gave me basic general info, such as the person wasn't even an XXXX citizen, hes XXXX. We happen was that we happen to have the same birthday of XX/XX/XXXX and first and last name XXXX XXXX. The similarities stop there, I believe. 
I have only ever recieved a Drivers Licence in the State of California, never in XXXX. 
I have also been employed since XX/XX/XXXX and find it strange that even if I did have an outstanding ticket, they would have garnished my paychecks, rather than wait for me to set up a payment plan and then take the money. Sounds like they are in the business of stealing money and are still able to do business. 
So now as a result of this process of me follwing the law and rules, the following has or will happen to me : my credit history make be affected, my money, which I have very little of since Im still out {$130.00}, I am descending further into debt, I now have to charge everything on credit cards as I have no cash or money to buy groceries or the ability to feed myself, since the {$130.00} was stolen from me. Yes stolen from me. 
I only approved of the {$470.00} that was told to me inside the Hall of Justice in XXXX XXXX and the letter sent to me by these crooks known as Alliance One, ( XXXX or XXXX them to read their reviews ). And since the letter by Alliance One, only stated {$470.00}, why would I think they would overcharge me, or take advantage of me and steal {$130.00} more without my approval. 
After calling Alliance One several times I was told I couldnt do anything to recover my stolen money. It was too late, I had paid them. While still talking to XXXX, I was told to take it up with my bank. I spoke with my credit union, they said they can't do anything, because Alliance withdrew and wrote the checks, with my approval, again an approval I made for ONLY {$470.00}, not {$600.00}. 
I have to go to XXXX County, Washington and clear my name and prove my innocence in person, at a cost that will certainly exceed {$130.00}, and get them to withdraw the hold they placed on me. 

I have documentation of everything, if need be. 
A total from the Superior Court stating in itemized fashion my total fees of {$440.00} plus {$30.00}. 
The letters from Alliance One, saying I ONLY OWE THEM 470.00 NOT 600.00 THE XXXX checks they wrote to pay the fines, all for the amounts of {$150.00} The court order from the Superior Court in XXXX XXXX showing the total amount that each conviction or each fee assessed to me as a result of my plea deal. None EVER getting to or coming close to {$600.00}