Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
I am a XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXXl. My XXXX, XXXX, and XXXX have been exacerbated as a result of this case. I received notice that my XXXX XXXX ( XXXX ), with the XXXX XXXX Homeowners Association, operated under the brand name of XXXX XXXX and Company, located at XXXX Georgia, ( XXXX XXXX XXXX XXXX, has been erroneously placed in collections with alliance Collection Agency. I received a letter from the collection agency- Alliance CAS , stating that the fees and costs due to the collection company are {$3900.00}. 

The charges are broken down as follows : Past due assessment of {$650.00} Past due Interest XXXX Collection Fees and Cost XXXX Collection Company Alliance-Cas Collection Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Florida -004, https ; // www.allliancecas.com/payment ( Me ) The property in question ( My Home ) XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My attempts to resolve the matter via the HOA as well as the collection agency have yielded only harsh, abrasive, and condescending tones from both parties.

The HOA sent my case to the collection after they changed their address and did not provide me with a forwarding address. I was traveling and spending much of my time at a forward address and was not aware that the address to provide my payments had been changed. I continued to make all payments via the payment center at my bank and the checks were not returned so I assumed that the HOA received them. 
I was informed after the account was sent to collections that the Homeowners association had moved to a new address and had asked the post office to stop forwarding the mail to the new address. Some of the checks were cashed by the HOA, some were returned and some are still lost in the mail system. 

I did not purposely neglect to pay my debts. Upon my conducting my own research I learned that the XXXX XXXX Homeowner Association changed its address, and then later stopped the mail from being forwarded to them from the post office. I had no knowledge of these changes. 

The Homeowner association had knowledge that I was residing in Virginia, serving in the military, and attending school. I had been gone on and off since XXXX. They had my forward address, yet they never contacted me regarding the payments that were not received. 

The circumstances surrounding my late payments are unique and are not nefarious on my part. The HOA changed its address, and I did not receive notification of the change. My Bank XXXX XXXX XXXX has records of checks that were sent to this company on my behalf throughout the year XXXX and XXXX totaling more than {$800.00} some of the funds were returned some of the checks are still pending as they have been mailed but not cashed by the HOA. 

My goal is to settle this matter as quickly as possible. I am ready to pay the amount owed and ask my bank to stop payment on the below payments, however, It has been impossible attempting to resolve the matter on my own. 

This case has exacerbated my XXXX, my XXXX as well as my XXXX and XXXX. I am not able to concentrate or focus, I am deeply worried and really would appreciate resolving this matter ASAP. 

See below, a print out from my Bank, showing mailed payments to the XXXX XXXX Homeowners Association. 


The following payments were sent on my behalf from the Payment center from my bank. 

Account Number Post Date Check Description Debit Credit Status Balance Confirmation confirmation XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$100.00} ProcessedCfm # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} processed XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$200.00} Posted XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX REFUND XXXX XXXX Posted XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - {$100.00} XXXX XXXX Check # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - {$200.00} Posted XXXX XXXX XX/XX/XXXX XXXX XXXX HOme Association - {$50.00} XXXX XXXX Check # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PMT REFUND XXXX XXXX Posted XXXX XX/XX/XXXX XXXX XXXX HOme Association - {$100.00} Processed I believe that a telephone call or written letter by you on my behalf to MrXXXX XXXX of XXXX XXXX and company i.e. XXXX XXXX Homeowners Association, or to the Alliance CAS collection agency would facilitate the resolution of this matter. 

Thank you for your time Sincerely XXXX XXXX XXXX XXXX XXXX XXXX US Army XXXX XXXX XXXX

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