Alliant Capital Management called you about a debt you may not recognize. BBB records show consumers have allegedly reported excessive calls and third-party disclosures. Some also report collection attempts on accounts they say are not theirs. The Fair Debt Collection Practices Act gives you enforceable rights against each of those tactics.
Key Takeaways
- Alliant Capital Management LLC (ACM) is a licensed debt collection agency in Buffalo, NY and Chandler, AZ, collecting retail credit, credit card, and banking accounts.
- A 2018 proposed class action, Hollander v. Alliant Capital Management LLC et al., alleged ACM sent letters for time-barred debts without disclosing a partial payment could restart the statute of limitations.
- Consumers have reportedly filed dozens of BBB complaints citing excessive calls, third-party disclosures, and disputed balances, per BBB records.
- The FDCPA requires ACM to send a validation notice within five days of first contact. Failure to do so may constitute a federal violation.
- FDCPA claims may recover up to $1,000 in statutory damages. TCPA violations may recover $500 to $1,500 per call.
- The Wood Firm PLLC handles these cases on contingency: you pay nothing unless ACM violated federal law.
Free Case Review: +1-844-638-1122
Who Is Alliant Capital Management?
Alliant Capital Management LLC is a licensed debt collection agency. Its headquarters are in Buffalo, New York, with a secondary office in Chandler, Arizona. The agency collects retail credit, credit card, and banking accounts on behalf of original creditors. ACM does not purchase debt; it works as a servicer under contract with the original lender.
ACM holds an A+ BBB rating but is not BBB Accredited. It carries RMAI and ACA International certification from the Receivables Management Association International. In our practice, we request ACM’s full account file on every matter. Assignment records and payment history regularly contain balance or ownership errors that undercut ACM’s legal standing to collect.
- Also Known As: ACM, Alliant Capital Management LLC, Alliant Capital Collections
- Headquarters: Buffalo, NY (additional office: Chandler, AZ)
- Phone: (877) 957-8122 | 877-957-8122 | +1 877-957-8122 | 8779578122
- Hours: Monday through Friday, 9:00 AM to 5:00 PM ET
- Online Portal: Alliant Capital Management payment portal
- BBB Profile: Alliant Capital Management BBB listing
What Phone Numbers Does Alliant Capital Management Call From?
ACM collectors call from these verified numbers:
- (800) 211-1435 | (877) 957-8122 | (877) 415-0662 | (877) 923-2069
- (888) 348-3642 | (716) 332-6655 | (716) 362-0907 | (916) 631-7085
The 716 numbers are consistent with ACM’s Buffalo-area office. If a number is not on this list, request written validation before discussing any account.
Why Is Alliant Capital Management Calling You?
Alliant Capital Management is calling you because a creditor retained them to collect a delinquent account. ACM specializes in retail credit, credit card, and banking portfolios. The account likely originated with a bank or retail lender. If it sounds unfamiliar, the account may have been charged off and transferred without any notice to you.
If the debt is old, verify whether it is still within your state’s statute of limitations before responding. The 2018 Hollander class action alleged ACM contacted consumers about time-barred debts. ACM allegedly failed to disclose that partial payment could revive the limitations clock. Review how long a judgment stays active to understand the timeline. ACM must send a written validation notice within five days of first contact. If that notice never arrived, ACM may have violated the FDCPA before the first call ended.
What Complaints Have Consumers Filed Against Alliant Capital Management?
According to the BBB complaint database and CFPB records, consumers have allegedly reported:
- Repeated calls after consumers requested that contact stop
- Calls to family members, neighbors, or coworkers disclosing debt details
- Workplace calls after consumers notified ACM that such calls were prohibited
- Collection attempts on accounts consumers did not recognize or already resolved
- Failure to send a written validation notice before or shortly after first contact
- Threats of legal action without genuine intent or legal authority to sue
- Inaccurate balances that included unauthorized fees or post-charge-off interest
In our experience, the time-barred debt issue is the most consequential pattern in ACM files. Those dates determine whether the statute of limitations has expired. They also show whether ACM’s omissions support an FDCPA misrepresentation claim.
Has Alliant Capital Management Been Named in Federal Lawsuits?
Yes. Alliant Capital Management has been named as a defendant in multiple federal FDCPA lawsuits. The documented cases include:
- Hollander v. Alliant Capital Management LLC et al. (2018), a proposed class action alleging ACM and Oliphant Financial Group sent deceptive letters for time-barred debts. ACM allegedly omitted that consumers could not be sued and that partial payment could restart the limitations clock.
- E.D.N.Y. Case 1:2017cv05146, a federal matter involving FDCPA claims against ACM in the Eastern District of New York.
- Miller v. Alliant Capital Management LLC, an individual FDCPA action alleging improper collection conduct.
- Grimm v. Alliant Capital Management LLC, a federal docket alleging additional FDCPA violations by ACM collectors.
When we open an ACM file, we pull these case records and compare them to the client’s experience. Repeated patterns signal systematic practices, and systematic violations can support class exposure or enhanced damages claims.
Is Alliant Capital Management a Scam?
Alliant Capital Management is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. ACM holds state collection licenses, maintains RMAI certification, and collects genuine consumer debts. However, consumers have allegedly reported conduct that, if documented, would constitute FDCPA violations.
Scammers do impersonate collection agencies. Any caller demanding wire payment while refusing written validation is not a legitimate collector. In our practice, we distinguish legitimate ACM contact from impersonation by requesting written validation. We verify the account number against credit reports and confirm ACM’s records match the original charge-off documentation. That comparison quickly reveals whether an error, a fraud, or a collectible debt is at issue.
Is Alliant Capital Management Banned by the FTC?
No. Alliant Capital Management has not been banned or formally sanctioned by the Federal Trade Commission. No public FTC enforcement action against ACM appears in available records as of this writing. That absence does not mean their collectors always comply with federal law.
Consumers may file with the CFPB complaint portal or the New York Attorney General. In our experience, the Hollander time-barred debt theory is the most important angle in ACM matters. We examine whether ACM’s collection letter disclosed the limitations status and the payment revival risk. Omitting those disclosures is exactly what generated the 2018 class action.
What Conduct by ACM Qualifies as Illegal Harassment?
The FDCPA prohibits specific conduct. ACM collectors may not call before 8 a.m. or after 9 p.m. They may not use abusive language. They may not disclose the debt to third parties; contacting family members about your debt violates 15 U.S.C. 1692b. They may not call your workplace after being told such calls are prohibited under 15 U.S.C. 1692c. Threatening to sue without legal authority violates 15 U.S.C. 1692e. Collecting unauthorized fees violates 15 U.S.C. 1692f. Each call after a written cease request may be a standalone FDCPA violation. These are among the most common FDCPA violations. Similar tactics have been documented against Capital Accounts.
Collecting on a time-barred debt without disclosing its expired status mirrors the Hollander allegations. If ACM contacted you about an old account, save every letter, voicemail, and call record. Those materials may already be your evidence.
Can Alliant Capital Management Sue You or Garnish Your Wages?
Alliant Capital Management can file a lawsuit for a debt within your state’s statute of limitations. If ACM obtains a judgment, it may then garnish wages or levy your bank account. The FDCPA prohibits empty threats to sue without genuine intent and legal authority. ACM’s own FAQ states it does not directly sue consumers, though original creditors may act independently. A collector threatening suit on an expired debt may be committing an FDCPA violation in the threat itself.
How to Remove Alliant Capital Management from Your Credit Report
Dispute inaccurate ACM entries with the credit bureaus in writing. If ACM cannot verify the account, the bureau must remove it. Under the Fair Credit Reporting Act, ACM must report only accurate information. Continued inaccurate reporting after a dispute may constitute a separate FCRA violation.
If ACM contacted you about a time-barred debt, its credit reporting accuracy is worth challenging. That is the Hollander angle applied to credit records. Similar issues have appeared with Central Management Group. More on what debt collectors can report is covered in the guide to debt collector credit bureau reporting.
How The Wood Firm PLLC Helps Stop Alliant Capital Management Harassment
The Wood Firm PLLC represents consumers exclusively: no creditors, no collectors. On every ACM matter, we request the full account file, the assignment chain, all communications, and call records. We compare that against the client’s logs, voicemails, and credit reports to find every departure from federal law. ACM’s time-barred debt exposure gives us a clear starting point.
We handle ACM cases on contingency. If ACM violated the FDCPA, they pay our fees and you pay nothing. We have stopped harassment from collectors including American Debt Management and Midland Credit Management using this same approach. Call +1-844-638-1122 and we evaluate your violations and next steps at no charge.
Stop ACM harassment now. visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency: if ACM violated federal law, they pay our fees.
Frequently Asked Questions About Alliant Capital Management
Who does Alliant Capital Management collect for?
ACM collects for banks, lenders, retail credit providers, and credit card companies. It operates as a third-party servicer, not a debt buyer. The original lender retained ACM directly to pursue the account.
Why is Alliant Capital Management calling me about an old debt?
ACM contacts consumers about accounts referred by original creditors, including accounts charged off years earlier. Verify your state’s statute of limitations before responding. The 2018 Hollander class action alleged ACM failed to disclose that status. An attorney can confirm whether the debt is still legally collectible.
Is Alliant Capital Management a legitimate company?
Yes, ACM is a licensed, RMAI-certified debt collection agency. Legitimate status does not guarantee FDCPA compliance. If ACM’s conduct crossed legal lines, you may have a claim regardless of whether the debt is valid.
How do I get Alliant Capital Management to stop calling me?
Send a written cease-and-desist via certified mail with return receipt, invoking 15 U.S.C. 1692c. ACM may then only contact you to confirm receipt or notify you of specific legal action. Each call after delivery may be a standalone FDCPA violation.
Can Alliant Capital Management garnish my wages?
Only after obtaining a valid court judgment first. Threatening garnishment without that judgment violates 15 U.S.C. 1692e and may itself be an FDCPA violation. See our guide on what to do when a debt collector threatens your workplace.
What is ACM’s RMAI certification?
RMAI certification means ACM has met an elevated compliance standard for debt collection. Conduct that falls below that standard strengthens a consumer’s position in any complaint or legal action against ACM.
Can Alliant Capital Management contact my family about my debt?
No. ACM may contact third parties only to locate you, not to disclose the debt. Doing so violates 15 U.S.C. 1692b. Third-party disclosure and zombie debt tactics are closely related issues worth understanding. Document every third-party contact, including dates and what was said.
Can I sue Alliant Capital Management even if I owe the debt?
Yes. Owing a debt does not authorize FDCPA violations. You can recover up to $1,000 in statutory damages for illegal collection conduct regardless of debt validity. Contact The Wood Firm PLLC for a free evaluation of whether ACM’s conduct gives rise to a claim.
What to Do Before Alliant Capital Management Acts First
FDCPA claims expire one year from the date of the violation. Document every ACM call now: dates, times, what was said, and the number used. Save every voicemail and letter. Call +1-844-638-1122. The Wood Firm PLLC reviews your case at no charge. If ACM violated federal law, they pay our fees.
Jeff Wood represents consumers exclusively: never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
