Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Alliance CAS , LLC and the collection handling of a homeowners association ( HOA ) account related to my family residence in XXXX XXXX, Florida. The original balance involved a single HOA quarterly assessment for XXXX XXXX in the amount of approximately {$90.00}, plus late fee and minimal interest. The XXXX 's own statement showed a balance of approximately {$110.00}. The HOA account is in my name, and I am currently XXXX XXXX XXXX. The missed quarterly payment for XXXX XXXX was unintentional and occurred after I realized the oversight, immediate efforts were made to bring the account current before another quarterly assessment became due. I attempted to pay the balance online, but the account had already been suspended. A phone call was then made to attempt payment directly, and I was informed that nothing further could be done because the account had already been referred to collection notice had yet been received. The first collection letter arrived approximately XXXX days after that phone call. Shortly afterward, XXXX XXXX increased the balance from approximately {$110.00} to nearly {$600.00},, and later to over {$700.00}. primarily through collection fees, transfer fees, administrative charges, and other related collection costs. A written dispute was submitted within the required timeframe requesting validation and clarification of the charges being added. The response received contained inconsistent documentation, including conflicting references to both XXXX and XXXX dates. Additionally, while the disputed account remained unresolved, a separate payment of {$90.00}. for XXXX XXXX quarterly HOA assessment was sent with explicit written instructions stating that the payment was ONLY for the current quarterly assessment and not to be applied toward the disputed collection balance. despite those written instructions, the payment appears to have been applied toward the disputed balance instead, causing additional late fees, interest and continued account escalation. We are not refusing to resolve the account or avoid payment obligations. We are willing and attempting to pay a fair and reasonable amount related to the original HOA assessment. However, the balance has escalated far beyond the original amount due because of rapidly increasing collection, administrative, and related fees that appear excessive and disproportionate to the original debt. Multiple written attempts were to resolve this matter in good faith, including disputes, request for information and a written settlement offer sent by certificated mail. despite these efforts, the balance continues increasing and no reasonable resolution has been provided. I am requesting review of the collection practices used in this matter, including the excessive escalation of fees, the application of payments contrary to written instructions, and the continued increase of the balance despite ongoing good-faith efforts to resolve the matter.

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