Alliance One Collections / Minnesota Branch Unprofessional/Harassment of debt that was being resolved. We were in contact from the 1st call, when we try to pay by money order was told "no". WOULD NOT ACCEPT PAYMENT AND WAS TERRIBLE TO TALK TO ON THE PHONE.A Exton Pennsylvania, Minnesota
Was contacted of old debt that was a co-signer to. My husband was calling and talking to this (Sarah) 800-514-4031 to resolve. Our son called her too. It was over the unpaid balance of a car that was under insured. Our son negotiated a payment plan. When he wanted to send a money order, Sarah refused it. Wants a checking account. He doesn't have one.
Today 1/26/08 all of us spoke with this person and it was horrible. she over talked myself and was so nasty. My words to her. You're looking for payment, which is your job, and yet you refuse it??? The end result, we got nowhere with this person. Her terrible attitude and condescending demeanor were too much to deal with. My husband is a retired person and the stress of this has taken it's toll on him. Not to mention myself and our son. We're all nervous and dissolutioned as to why would a colleciton agency contact you for a debt and then refuse to accept payment?
As far as I know this person has threaten to guarantee my wages by 1/28/08. In only 2 to 3 days of phone calls and trying to resolve this balance this company persues legal matters? They should be glad to have consumers like us who want to take care of matters and resolve debt. Instead they treated us like we are criminals.
Denise
BROOKLYN, Ohio
U.S.A.
3 Updates & Rebuttals
Rockstar
Waterville,Minnesota,
U.S.A.
Some helpful information
#4UPDATE Employee
Mon, February 18, 2008
Okay first you never want to send a montly payment to Alliance One because it goes to the mailing address and they have to sort the mail and it may take up to three weeks for the payment to be applied to your account, without anything applied on the account they will call every single day. My advice to the people who have a Debt Alliance one is handleing- ask for a settlement or make payments. That way only one person is dealing with you and you don't have 200 collectors calling you every single day. If the collector is being stupid ask for their supervisor or request another letter be sent to your address-
What people don't understand is we have all their information in the first place so they aren't doing anything different by giving us other information. Just wanted to give you all a lil info I got. hope it helps
Faron
Houston,Texas,
U.S.A.
And if I may add
#4Consumer Comment
Sun, January 27, 2008
The last thing to provide a bottomfeeder 3rd party debt collector is a checking account. They will run it dry. Never give them that information.
Steve
Bradenton,Florida,
U.S.A.
Clarification for Denise, and this is exactly the reason why you NEVER speak to a collector on the phone!!
#4Consumer Suggestion
Sun, January 27, 2008
Denise,
This is exactly why you NEVER speak to a third party debt collector on the phone! NEVER do this!! It will NEVER do anything positive for you and wil always make things worse. As you have found out.
And, collectors are not any form of customer service. They have absolutely no interest in solving your problem. They just want to separate you from your money.
Most collectors get a small base pay, plus either a commission and/or bonus on amounts collected. Here is where the problem is, and the reason the collector refused your payment offer. Many collectors only get a commission or bonus on what they actually collect. That is why they always want a higher amount right then on that phone call. Anything that gets collected later, they usually do not get paid on.
They can not garnish your wages without first suing you, and winning. Then all they can get is the state max on it, and several types of income are exempt by federal law for civil garnishment. Like SS, SSDI, VA comp, etc. Sate law often sets the garnishment rules. However, OH follows federal guidelines.