• Report: #322678

Complaint Review: Alliance One, Inc.

  • Submitted: Mon, March 31, 2008
  • Updated: Mon, March 31, 2008

  • Reported By:San Diego California
Alliance One, Inc.
6565 Kimball Dr, Suite 200 Gig Harbor, Washington U.S.A.

Alliance One, Inc. Payment not credited to proper credit card Gig Harbor Washington

*Consumer Comment: re

*Consumer Comment: re

*Consumer Comment: re

*Consumer Comment: re

*Consumer Comment: Look into

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In August/September 2007, I received several phone calls from this company. I did not answer them except the last one to see what it was about. I found out later it was Matt from Alliance One. He said the issue was a delinquent account for my daughter's credit card.

I asked him how much it was; he said it $2353.00. He then asked if I would like to help out my daughter with a payment. I agreed to help and gave him my credit card number and told him I wanted to pay the whole thing off.

On September 27, 2007, my account was debited for the above amount. I told my daughter what I had done, but she never said anything to me regarding her account status after that.

I continued to get calls from BankCard Services. I answered one call and asked the lady what the problem was. She said my daughter owed $5000.00 dollars on the subject card. I told her I had made a payoff payment in September and explained what had happened with Alliance One. She said something to the effect: "Oh my, they are not supposed to do that".

My daughter found a number for Matt of Alliance One and I called him. He told me the money had been credited to another credit card and not my daughter's. He commented that this had never happened to him before and was going to talk to his supervisor. He stated the debt had been sold to Arrow Financial and the problem was out of his hands. I talked to his Supervisor, Rene Callaway, 888-647-2819, who said it was too late to do anything about this because I waited too long to report the problem.

Does anyone know how I can get this money credited to my daughter's debt instead of some unknown person's debt(if that really happened)?

Frank
San Diego, California
U.S.A.

This report was posted on Ripoff Report on 03/31/2008 05:58 PM and is a permanent record located here: http://www.ripoffreport.com/r/Alliance-One-Inc/Gig-Harbor-Washington-98335-1200/Alliance-One-Inc-Payment-not-credited-to-proper-credit-card-Gig-Harbor-Washington-322678. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

re

AUTHOR: John - (U.S.A.)

This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster.

Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone.

This is going to be an expensive lesson for you

FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this.

Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
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#2 Consumer Comment

re

AUTHOR: John - (U.S.A.)

This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster.

Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone.

This is going to be an expensive lesson for you

FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this.

Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
Respond to this report!
What's this?

#3 Consumer Comment

re

AUTHOR: John - (U.S.A.)

This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster.

Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone.

This is going to be an expensive lesson for you

FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this.

Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
Respond to this report!
What's this?

#4 Consumer Comment

re

AUTHOR: John - (U.S.A.)

This is a horrible situtation created by giving a debt collector your bank debit/credit card over the phone.....Rule #1 when dealing with debt collectors: NEVER, NEVER EVER give them your personal checking/debit/credit card #'s over the phone to do auto-debits....This is an invitation to disaster.

Rule #2 in dealing with debt collectors: Get all terms IN WRITING FIRST prior to giving them one penny of your money...If you don't you can't prove anything about verbal agreements made over the phone.

This is going to be an expensive lesson for you

FYI: If BankOne sold your daughter's debt to a third party collection agency, then it's the collection agency that is entitled to any payments from you. BankOne cannot continue collection activity after they've sold the account to third party debt collectors like this.

Threaten to take Alliance One to small claims court...The problem isn't "out of their hands" if they took over $2K of your money then credited it to a bogus account...then sold it to a collection agency....Call AllianceOne and tell them that the next step is small claims court...Send the notice via Registered Mail with Return receipt to make it look official and to show that you mean business....
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#5 Consumer Comment

Look into

AUTHOR: John - (U.S.A.)

filing a fraud (not a dispute) report with your card and get your own money back. They fraudulently obtained funds from you.
They never had any intention of posting anything to your daughter's card - if there even is a legit collection on one - and their excuse is b****.
There was no 'other card' that the payment got posted to. If there was, Tthey HAVE to either refund you or post it to the correct alleged account.
They stole your money under false pretenses.
You have to file complaints with the attorney general in your and their state as well as the FTC.
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