Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: VA

Complaint narrative:
CFPB Complaint Improper Debt Collection and Inaccurate Billing Company complained about : First Financial XXXX XXXX ( Debt Collector ) Related company : XXXX XXXX Rental Agreement No. : XXXX XXXX Damage Claim No. : XXXX What happened I am filing a complaint regarding improper debt collection activity based on an inaccurate and disputed claim originating from XXXX XXXX and subsequently referred to First Financial XXXX XXXX XXXX 

In XX/XX/year>, I rented a vehicle from XXXX at XXXX  XXXX XXXX Airport under Rental Agreement No. XXXX. During the rental period, I was involved in a XXXX XXXX XXXX  in which my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Local police were immediately contacted, and a full police report was filed by the XXXX Police Department ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) under Case No. XXXX. The police report clearly documents that the other driver was fully at fault and includes all insurance information for the at-fault party. 

I promptly notified XXXX, completed all required accident documentation, and exchanged the vehicle at the same location. I was explicitly informed by XXXX representatives that no further action was required on my part because I was not at fault and all documentation had been provided. The rental was completed and closed in XX/XX/year>. 

In XX/XX/year>, XXXX contacted me alleging a balance due under XXXX Damage Claim No. XXXX. I responded in writing disputing the claim, explaining that XXXX was pursuing the incorrect party, referencing the police report previously submitted, and requesting an itemized invoice. No itemized documentation or substantiation was provided. 

Shortly thereafter, the alleged debt was referred to First Financial XXXX XXXX ( XXXX ) for collection. I informed them that the debt was disputed and that liability rested with a fully insured third party. I was told they did not have the police report and that XXXX had provided only a claimed balance and my contact information. 

For approximately five months, I have received repeated and sometimes weekly phone calls from First Financial XXXX XXXX attempting to collect this disputed debt. Despite multiple requests, they have failed to provide written validation, itemized charges, or evidence supporting the debt. I have repeatedly requested that all communication be in writing, provided my email address, and asked that recovery be pursued from the responsible party. 

Why this is a problem The debt is not valid and is assigned to the wrong party. 

The debt collector has continued collection efforts despite the debt being formally disputed. 

I have not received proper debt validation or itemized documentation. 

The frequency and nature of the calls are harassing and unnecessary. 

These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including continued collection without proper validation and failure to accurately represent the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation