Alliance One Receivables Management, Inc. Unauthorized account draft Mendota Heights Minnesota

The collection company can't just debit an account willy-nilly. They have to be able to back up the authorization with a recording of the account holder authorizing the transaction. If the collector can't provide that recording, I would think you can sue, and probably on a contingency basis if the lawyer believes you that you never authorized the transaction.

Two things could have happened with the original check. Either you are dealing with a dishonest collector who needed the money to make his quota, or it was a mistake. He could have made the change and then left the screen without saving the change.

Unfortunately, if you don't have a recording of the conversation of you changing the check amount, it is your word against theirs, unless the collector typed the conversation into the hardnotes and left the check on anyway.

I would bet that alliance one runs multiple tens of thousands of checks each day. What company has never made a billing error? If it was in error, they should try to correct it. If it was an honest mistake then there would be documentation of the call in their uneditable notes of you changing the pmt to $200. Alliance one should also have a recording of them and you authorizing the new payment of $200.

If they aren't returning your calls about it then you are probably dealing with a bad apple.

You foolishly believed that a collection agency employee was honorable and would do what he said he would do. They NEVER do. NEVER speak with a collection agency employee. Require them to put everything in writing.

Sorry, but it will be a long time without funds. I would change my checking account immediately. They can continue to debit your account since they have your information.