Capital Alliance Financial, LLC

2019-05-11

Columbus, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: I have never applied or any contract with company the claim is false and they have not provide any proof that I owe the debt and file this in county That I do not live and this is a violation of the federal debt collection act and have no mean to fight them in another county. this is harassment and I going to file charge against.
Company Response: Closed with explanation

Timely Response

2019-03-22

Brooklyn, NY

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: This place is a scam. They offered me a XXXX loan and said I had to buy XXXX XXXX because of problems with my credit. They took the logo and name, XXXX XXXX XXXX, from a machine finance company in XXXX which when confronted with they denied. He then asked me to go get a XXXX XXXX card to pay the XXXX XXXX which sent up red flags. The guy I was talking to was named XXXX XXXX and his number is XXXX. I'm sure it's not his real name as he had a thick XXXX accent. They are preying on people like me who are in financial straights.
Company Response: Closed with explanation

Timely Response

2018-12-22

Pinellas Park, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2018-08-01

Camden, NJ

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I have not did any hard inquiries and it says I have 26 I did none of it.
Company Response: Closed with explanation

Timely Response

2018-07-02

Oxford, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: This Account Was Paid FULL but Continues in my Credit as GARNISHMENT I Demand that it be Eliminated Immediately this is Harming me Morally
Company Response: Closed with explanation

Timely Response

2018-03-31

IN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. Totally illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-20

Chicago, IL

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2017-06-07

Camden, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-06-05

Camden, NJ

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2016-10-21

Atl, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-26

MI

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by Capital Alliance Financial LLC. Capital Alliance is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-24

MN

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. My daughter found this court case that is very similar. XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. I doubt it. I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-12

MI

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to sue on too old debt
Complaint: I had an account with XXXX XXXX opened in XXXX 2009. I defaulted on this when I got sick and was unable to work. I later became XXXX due to this illness. I tried to work with XXXX XXXX but they charged off the debt. Since that time, a debt collector purchased the debt and I have received XXXX Dismissals from my local District Court and then a Summons and Complaint from the same court today about this debt.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-16

Cypress, TX

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-15

Warren, MI

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

Orion Twp, MI

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Complaint: Capitial alliance financial llc is owned by XXXX XXXX. Capital alliance financial buys debt, and is a debt collection company. Capital alliance financial is merely a shell company for XXXX XXXX law firm XXXX and XXXX. No response when you attempt to reach capital alliance financial only XXXX and XXXX. XXXX and XXXX turned for a civil judgement against me under the false pretenses they are acting on behalf of their client. XXXX and XXXX has a conflict of interest and should n't be allowed to deceive consumer 's that they are a law firm acting in behalf of their client. They are merely acting on behalf of themselves. Representative stated they were an attorney and when asked if capital alliance was connected to XXXX and XXXX denied any knowledge.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-08

Northville, MI

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-14

Detroit, MI

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: The lawyer filed the paper work stating that I have been served paper work to appearing court for a collection on a debt that I owe. I never had anyone from a court serve me paper work in person. I found out later that a judgement has been issued for me to pay, so I 'm filing a complaint against the law firm.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-10

Eton, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-04

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2014-09-06

Lyncourt, NY

Charged fees or interest I didn't expect

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2014-09-03

Cambridge, KY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-15

Bremen, GA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2014-06-16

Norcross, GA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2014-05-30

Georgetown, IN

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Indicated shouldn't respond to lawsuit
Company Response: Closed with explanation

Disputed: No Timely Response