Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
I am filing this complaint due to improper debt collection practices by XXXX XXXX, which has resulted in an unjustified XXXX on my property, excessive fees, and ongoing financial harm. Their actions have violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the Real Estate Settlement Procedures Act ( RESPA, 12 U.S.C. 2605 ), and Georgia HOA statutes ( O.C.G.A. Title 44, Chapter 3 ). 

XXXX of Events : XX/XX/XXXX : I made a large payment that cleared all outstanding HOA dues, bringing my account current. 
XXXX XX/XX/XXXX : Despite my account being current, my access to the HOA payment portal was blocked, preventing me from making further payments. I made multiple written requests to XXXX XXXX ( the HOAs management company ) to restore my access, but they ignored or mishandled my requests. 
XX/XX/XXXX : After months of being locked out, I was finally granted access. However, the delay caused a backlog of payments, leading to fees and penalties being wrongfully applied to my account. 
XXXX XX/XX/XXXX : I resumed making monthly payments, but due to the backlog created by the HOAs administrative failures, my account falsely reflected a delinquent balance. Despite making good-faith payments, my account was sent to collections in XX/XX/XXXX after a single late payment. 
XX/XX/XXXX XXXX : XXXX XXXX took over collections and has : Failed to provide proper verification of the debt despite multiple requests. 
Failed to justify why my account was blocked for XXXX months despite being current. 
Refused to remove or adjust excessive fees that resulted from the HOAs own failure to process payments. 
Continued adding interest and penalties while deliberately delaying responses to my dispute. 
Legal Violations & Unfair Practices : Improper Debt Collection & Excessive Fees Alliance CAS is attempting to collect an incorrect and inflated amount due to their own mismanagement and delay tactics. 
They are enforcing a lien on my home that was caused by the HOAs administrative failures, not my failure to pay. 
The following charges are wrongful and must be removed : {$1000.00} in lien-related charges {$180.00} in late fees {$72.00} in interest fees {$200.00} in collection transfer fees {$95.00} in administrative fees Total Disputed Amount : {$1500.00} Failure to Provide Legally Required Information I have formally requested written verification of the debt, governing documents, and HOA fee policies. XXXX XXXX has failed to provide any of these documents. 
HOA governing documents must be made available under Georgia law ( O.C.G.A. XXXX ), and withholding them is a direct violation. 
Their failure to provide accurate verification violates FDCPA ( 15 U.S.C. 1692g ). 
Bad-Faith Delay Tactics & Failure to Respond I submitted a payment plan request on XX/XX/XXXX, but they ignored it and later falsely claimed I needed to submit it again. 
I sent a formal legal dispute on XX/XX/XXXX, and XXXX XXXX has not responded, despite multiple follow-ups. 
Their delay tactics have allowed additional fees to accrue, which violates RESPAs anti-dual tracking provisions ( 12 C.F.R. 1024.41 ).

Misleading & Contradictory Information Alliance CAS originally stated that all communications must go through them and that I could not contact the HOA directly.

Later, they contradicted themselves and said I had to request governing documents directly from the HOA.

These conflicting statements demonstrate bad-faith debt collection practices and deceptive communication tactics.

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