Complaint Review: Allied Interstate - Greensboro North Carolina

Yup, I would send them ANOTHER certified, return receipt requested letter demanding validation of the debt. Remind them of the FIRST letter you sent them (include a copy of the first if you can make one.) Also, in your second letter, clearly state to them that your are forwarding a copy of BOTH validation letters to the FTC and are going to filed a formal complaint against their company with the FTC for violating the FDCPA by not complying with the debt validation requirements. Also state that you're not negotiating anything because it is NOT YOUR DEBT and that since they contacted you, you demand the validation documents as per the FDCPA. Further state to them that if this debt appears on any credit report about you, you will consider seeking legal remedies agaisnt them. Then - FILE A COMPLAINT WITH THE FTC! Follow through with this! You're not making an idle threat, follow through and make the formal complaint. You can make the complaint via the internet but I would do it with a certified letter to the FTC. Include all the information you can. Include copies of the letters they sent you and the letters you sent them. Also include copies of the postal receipts that show they received your validation demand letters. On second thought - make the written complaint to the FTC first and THEN send them the second letter. Either way, you want to do both. Good Luck.

Yup, I would send them ANOTHER certified, return receipt requested letter demanding validation of the debt. Remind them of the FIRST letter you sent them (include a copy of the first if you can make one.) Also, in your second letter, clearly state to them that your are forwarding a copy of BOTH validation letters to the FTC and are going to filed a formal complaint against their company with the FTC for violating the FDCPA by not complying with the debt validation requirements. Also state that you're not negotiating anything because it is NOT YOUR DEBT and that since they contacted you, you demand the validation documents as per the FDCPA. Further state to them that if this debt appears on any credit report about you, you will consider seeking legal remedies agaisnt them. Then - FILE A COMPLAINT WITH THE FTC! Follow through with this! You're not making an idle threat, follow through and make the formal complaint. You can make the complaint via the internet but I would do it with a certified letter to the FTC. Include all the information you can. Include copies of the letters they sent you and the letters you sent them. Also include copies of the postal receipts that show they received your validation demand letters. On second thought - make the written complaint to the FTC first and THEN send them the second letter. Either way, you want to do both. Good Luck.

Yup, I would send them ANOTHER certified, return receipt requested letter demanding validation of the debt. Remind them of the FIRST letter you sent them (include a copy of the first if you can make one.) Also, in your second letter, clearly state to them that your are forwarding a copy of BOTH validation letters to the FTC and are going to filed a formal complaint against their company with the FTC for violating the FDCPA by not complying with the debt validation requirements. Also state that you're not negotiating anything because it is NOT YOUR DEBT and that since they contacted you, you demand the validation documents as per the FDCPA. Further state to them that if this debt appears on any credit report about you, you will consider seeking legal remedies agaisnt them. Then - FILE A COMPLAINT WITH THE FTC! Follow through with this! You're not making an idle threat, follow through and make the formal complaint. You can make the complaint via the internet but I would do it with a certified letter to the FTC. Include all the information you can. Include copies of the letters they sent you and the letters you sent them. Also include copies of the postal receipts that show they received your validation demand letters. On second thought - make the written complaint to the FTC first and THEN send them the second letter. Either way, you want to do both. Good Luck.

Yup, I would send them ANOTHER certified, return receipt requested letter demanding validation of the debt. Remind them of the FIRST letter you sent them (include a copy of the first if you can make one.) Also, in your second letter, clearly state to them that your are forwarding a copy of BOTH validation letters to the FTC and are going to filed a formal complaint against their company with the FTC for violating the FDCPA by not complying with the debt validation requirements. Also state that you're not negotiating anything because it is NOT YOUR DEBT and that since they contacted you, you demand the validation documents as per the FDCPA. Further state to them that if this debt appears on any credit report about you, you will consider seeking legal remedies agaisnt them. Then - FILE A COMPLAINT WITH THE FTC! Follow through with this! You're not making an idle threat, follow through and make the formal complaint. You can make the complaint via the internet but I would do it with a certified letter to the FTC. Include all the information you can. Include copies of the letters they sent you and the letters you sent them. Also include copies of the postal receipts that show they received your validation demand letters. On second thought - make the written complaint to the FTC first and THEN send them the second letter. Either way, you want to do both. Good Luck.

As instructed on 6/19/07 when I received my 2nd letter from Allied Interstate copy included in this communication: Allied Interstate 3200 Northline Ave. Suite 160 Greensboro, NC 27408 Dear Sir or Madame; Once again I am writing to you to dispute the debt you claim I owe to Cingular Wireless Account # 1743847500117. Secondly I am requesting written verification of the debt or any copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment. For example I want to know dates of service and copies of said statements. Furthermore I do not wish you to contact me by writing or telephone until I have received all the written debt verification information I have requested. Sincerely, Christopher **** I have now received another collection letter dated 7/24/07 in which they are trying to play, "Let's make a deal". Below is what the letter states: Cingular Wireless has given us authority to settle your acount for lsee than the total Amount Due. We have been authorized to accept one single payment in the amout of $169.24 as settlemnt on the Amount Due listted above. Again, Cingular Wireless has advised us that you are obligated to pay the above collection fee to it pursuant to the terms of your contract with Cingular Wireless. To take advantage of the settlement officer outlined above we must receive your payment at the post office box referenced below not later than the xlose of business on August 23, 2007. After that time, we reserve the right to modify the settlement offer, or revoke the offer in its entirety. This is a limited opportunity and contingent upon the clearance of your good funds. Please contact our office at the telephone number listed below shoudl you wish to initiate a payment via the telephone. Please have this letter available when you call. _________ Needless to say I have not contacted them, other than to send them the letter stating I wanted verification of this debt and they have yet to provide the requested information, they just keep sending collection letters. Do I continue to send them letters asking for this information concerning this fraudulant debt? Sincerely, Christopher ****

As instructed on 6/19/07 when I received my 2nd letter from Allied Interstate copy included in this communication: Allied Interstate 3200 Northline Ave. Suite 160 Greensboro, NC 27408 Dear Sir or Madame; Once again I am writing to you to dispute the debt you claim I owe to Cingular Wireless Account # 1743847500117. Secondly I am requesting written verification of the debt or any copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment. For example I want to know dates of service and copies of said statements. Furthermore I do not wish you to contact me by writing or telephone until I have received all the written debt verification information I have requested. Sincerely, Christopher **** I have now received another collection letter dated 7/24/07 in which they are trying to play, "Let's make a deal". Below is what the letter states: Cingular Wireless has given us authority to settle your acount for lsee than the total Amount Due. We have been authorized to accept one single payment in the amout of $169.24 as settlemnt on the Amount Due listted above. Again, Cingular Wireless has advised us that you are obligated to pay the above collection fee to it pursuant to the terms of your contract with Cingular Wireless. To take advantage of the settlement officer outlined above we must receive your payment at the post office box referenced below not later than the xlose of business on August 23, 2007. After that time, we reserve the right to modify the settlement offer, or revoke the offer in its entirety. This is a limited opportunity and contingent upon the clearance of your good funds. Please contact our office at the telephone number listed below shoudl you wish to initiate a payment via the telephone. Please have this letter available when you call. _________ Needless to say I have not contacted them, other than to send them the letter stating I wanted verification of this debt and they have yet to provide the requested information, they just keep sending collection letters. Do I continue to send them letters asking for this information concerning this fraudulant debt? Sincerely, Christopher ****

As instructed on 6/19/07 when I received my 2nd letter from Allied Interstate copy included in this communication: Allied Interstate 3200 Northline Ave. Suite 160 Greensboro, NC 27408 Dear Sir or Madame; Once again I am writing to you to dispute the debt you claim I owe to Cingular Wireless Account # 1743847500117. Secondly I am requesting written verification of the debt or any copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment. For example I want to know dates of service and copies of said statements. Furthermore I do not wish you to contact me by writing or telephone until I have received all the written debt verification information I have requested. Sincerely, Christopher **** I have now received another collection letter dated 7/24/07 in which they are trying to play, "Let's make a deal". Below is what the letter states: Cingular Wireless has given us authority to settle your acount for lsee than the total Amount Due. We have been authorized to accept one single payment in the amout of $169.24 as settlemnt on the Amount Due listted above. Again, Cingular Wireless has advised us that you are obligated to pay the above collection fee to it pursuant to the terms of your contract with Cingular Wireless. To take advantage of the settlement officer outlined above we must receive your payment at the post office box referenced below not later than the xlose of business on August 23, 2007. After that time, we reserve the right to modify the settlement offer, or revoke the offer in its entirety. This is a limited opportunity and contingent upon the clearance of your good funds. Please contact our office at the telephone number listed below shoudl you wish to initiate a payment via the telephone. Please have this letter available when you call. _________ Needless to say I have not contacted them, other than to send them the letter stating I wanted verification of this debt and they have yet to provide the requested information, they just keep sending collection letters. Do I continue to send them letters asking for this information concerning this fraudulant debt? Sincerely, Christopher ****

OK, first of all the 30 days is not a scam - it's in compliance with the law. You need to send them a certified letter to dispute and demand validation of the debt. Here's some information that should help you: First Read the Fair Debt Collection Practices Act at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm. Second - send a certified letter to the DEPT COLLECTOR to dispute the debt and request written verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt verification information you have requested. Once they receive the letter, they must cease all collection efforts until they provide the written information requested. This is in accordance with the Fair Debt Collection Practices Act. Third - Once you received the written verification information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter. Please note that simply sending the letter telling them to leave you alone does not absolve a valid debt. What the letter does do is force them to provide you with written validation of the debt and to stop all collection actions until you receive the information. Once you have the information, you should act on it accordingly by contacting the CREDITOR via certified mail. Some other notes: Any statute of limitations does not absolve a valid debt; it merely prohibits the creditor from going to court to obtain a money judgment against you. IF there is already a money judgment, the statute of limitations most likely is longer in New York State it's 20 years. You can check the statute of limitations for debt in your state at http://fair-debt-collection.com/statue-limitations.html. In addition, a credit report listing does not in any way determine if a debt is valid or not, or collectible or not that is what courts are for. There are few ways a valid debt can be absolved; you pay it off, the creditor forgives it, or bankruptcy court orders it absolved. Section 809 of the FDCPA covers debt validation nicely: 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. (c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Received 2nd written notice from Allied Interstate stating: We hope that you read our prior lettter to you. Your delinquent debt remains unpaid and we intend to continue our collection activity on behalf or our client. We urge you to give this matter your attention. Please contact our office at the telephone number listed below shoud you wish to initiate a payment via the telephone. Please have this letter available when you call. On behalf of our client, Cingular Wireless we may report information about your account to the creidt bureaus. Late payment, missed payment, or other defaults on your account may be relfected in your credit report on or after 40 days from the date of this letter. However, if the above-referenced Amount Due is paid within 40 days from the dat of this letter we will not report this debt. so what does one do with this?

May 17, 2007 My mother received the first telephone call from Allied at 2:20 pm. The woman on the end asked for me and mom told them I was not there. Can I call back the woman asked and my mother told them no you may not call back. The woman then replied in a snotty manner, "Well you need to tell him to call me". My mother then informed this woman, "I know you are trying to collect on a fraudulant bill and you need not call this number again, I will not pass on any communications to Mr. Jenner and you need to stop harassing him, he owes nobody any back bills I can assure you of that..do not call this number again!" My mother than hung up on the woman. I have not lived at my mother's in years and still do not live there. This is crazy that they don't know I live someplace else and that I still have the same phone service and the same cell phone number, that is what makes this entire situation crazy. Wouldn't they know this information if this was truely my debt?

May 17, 2007 My mother received the first telephone call from Allied at 2:20 pm. The woman on the end asked for me and mom told them I was not there. Can I call back the woman asked and my mother told them no you may not call back. The woman then replied in a snotty manner, "Well you need to tell him to call me". My mother then informed this woman, "I know you are trying to collect on a fraudulant bill and you need not call this number again, I will not pass on any communications to Mr. Jenner and you need to stop harassing him, he owes nobody any back bills I can assure you of that..do not call this number again!" My mother than hung up on the woman. I have not lived at my mother's in years and still do not live there. This is crazy that they don't know I live someplace else and that I still have the same phone service and the same cell phone number, that is what makes this entire situation crazy. Wouldn't they know this information if this was truely my debt?

May 17, 2007 My mother received the first telephone call from Allied at 2:20 pm. The woman on the end asked for me and mom told them I was not there. Can I call back the woman asked and my mother told them no you may not call back. The woman then replied in a snotty manner, "Well you need to tell him to call me". My mother then informed this woman, "I know you are trying to collect on a fraudulant bill and you need not call this number again, I will not pass on any communications to Mr. Jenner and you need to stop harassing him, he owes nobody any back bills I can assure you of that..do not call this number again!" My mother than hung up on the woman. I have not lived at my mother's in years and still do not live there. This is crazy that they don't know I live someplace else and that I still have the same phone service and the same cell phone number, that is what makes this entire situation crazy. Wouldn't they know this information if this was truely my debt?

May 17, 2007 My mother received the first telephone call from Allied at 2:20 pm. The woman on the end asked for me and mom told them I was not there. Can I call back the woman asked and my mother told them no you may not call back. The woman then replied in a snotty manner, "Well you need to tell him to call me". My mother then informed this woman, "I know you are trying to collect on a fraudulant bill and you need not call this number again, I will not pass on any communications to Mr. Jenner and you need to stop harassing him, he owes nobody any back bills I can assure you of that..do not call this number again!" My mother than hung up on the woman. I have not lived at my mother's in years and still do not live there. This is crazy that they don't know I live someplace else and that I still have the same phone service and the same cell phone number, that is what makes this entire situation crazy. Wouldn't they know this information if this was truely my debt?

Christopher, That 30 day response thing is just a scam, and for internal use by the collection agency. The law says that there is no effect on your rights if you fail to respond in 30 days. Your rights remain unaffected if you never respond! The 30 day response thing is a scam, and that comes directly from the FDCPA.

April 28,2007 was date of first communication, Libby, MT--Received via the mail a letter of collection. Letter of collection states in the first line..Cingular Wireless has placed your account with Allied Interstate to recover the above referenced amount due. Tells me I have 30 days to notify them that I dispute the validity of this debt or any portion thereof. My mother sent a letter for me, but she signed the letter herself, now I wished she hadn't after reading the info on this site. She handled all my affairs while I was overseas in the Army and has all documentation of paid bills etc. Most of the time I had a credit balance with the cell phone company so I am really confused. Cingular has told me I have no back debt to them and that they do not use this company to collect for them. I have never had my phone shut off for back debt which would have been one of the things Cingular told me they would have done from the get go. Cingular Financial Dept. is the one who told me not to contact this company by phone and that this was most likely a fraudulant claim and under NO circumstances should I pay it. The letter my mother sent told them to cease with any further communications and if they did not a lawsuit would happen for harassment and defamation of character. I guess we will see what happens. On the West Coast of the US our name is not real common, but in other areas our name is VERY common, so I am thinking that someone by the same name as mine owes this debt and they are trying to collect from whatever sucker they can.

Christopher, First, we need to know how they are attempting to collect. Are they calling you or did you get a collections letter? This is very important. And, in the letter did they ACTUALLY state that they were "representing" Cingular Wireless? Or did they simply list them as the "original creditor"? It is very important to read exactly what is written, and never assume anything. Second, NEVER call or speak to ANY debt collector on the phone! NEVER do this. And, never contact an original creditor when a collection agency has an account, as they cannot deal with you on it anyway once assigned or sold to a collector or junk debt buyer. Allied Interstate are JUNK DEBT BUYERS. They buy VERY old, usually uncollectable accounts for far less than a penny on the dollar. The problem here is that these old accounts have little or no accurate information on the original debtor. Therefore everyone with the same or similar name usually gets the same collections letter. They are fishing.