iQor’s robocall campaigns are the detail that stands out most in consumer complaints: according to a 2016 civil complaint filed by the Santa Clara County District Attorney, some consumers allegedly received over 100 calls in a short period, including calls made when no debt was actually owed.
iQor and its subsidiary Allied Interstate LLC have reportedly accumulated a pattern of TCPA and FDCPA violations serious enough to draw a $1.75 million FTC settlement and a subsequent multi-million-dollar state prosecution.
If iQor’s calls are flooding your phone or a collection entry has appeared on your credit report without prior written notice, call +1-844-638-1122 for a free case review.
Key Takeaways
- iQor is a Florida-based business process outsourcing company whose debt collection division operates under the name Allied Interstate LLC, collecting for banks, healthcare providers, and telecom companies.
- Allied Interstate settled with the FTC for approximately $1.75 million in 2010 for allegedly harassing consumers and attempting to collect from individuals who did not owe the debt.
- A 2016 civil complaint by the Santa Clara County District Attorney alleged iQor and Allied Interstate used autodialers to call cell phones without consent, with some consumers allegedly receiving over 100 calls during the collection campaign.
- iQor’s documented pattern includes calling consumers who owe nothing, continuing contact after cease requests, and using robocall systems that may violate the TCPA at $500 to $1,500 per call.
- Verified FDCPA violations can yield up to $1,000 in statutory damages; TCPA violations carry $500 to $1,500 per illegal call.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees, ever.
Free Case Review: +1-844-638-1122
What Is iQor and Who Does It Collect For
iQor is a Florida-based business process outsourcing company whose debt collection division operates under its own name and through its subsidiary Allied Interstate LLC. The agency collects on behalf of major banks, healthcare systems, and telecommunications providers.
iQor runs large-volume call center operations, which creates a specific compliance risk: accounts get misrouted, cease requests get lost in the system, and autodialers continue firing on numbers that should have been flagged. The chain-of-title gap between the original creditor and iQor’s assignment documentation is a recurring issue in the files we review.
- Also Known As: Allied Interstate LLC, Allied Interstate
- Headquarters: Fort Lauderdale, Florida
- Phone: The number consumers most frequently report varies by campaign. Document every number that appears on your caller ID.
- BBB Profile: iQor BBB profile (New York). Complaints for this business are handled by another BBB.
- Debt Types: Bank accounts, healthcare balances, telecom accounts
Why Is iQor Calling You
iQor is calling you because a creditor, most often a bank, a hospital system, or a telecom company, has assigned or sold your account to iQor for collection. Complaint patterns reported to the CFPB and in individual lawsuits include calls to consumers who had discharged debt in bankruptcy, continued robocalling after consent was revoked, and workplace contact that persisted after explicit requests to stop.
According to the 2016 Santa Clara County civil complaint, some consumers allegedly received over 100 calls during a single iQor campaign, including calls made when no debt was owed.
The FTC and California state prosecutors have both acted on these patterns. Verified enforcement actions include:
- FTC v. Allied Interstate LLC, No. 1:10-cv-00976 (D.D.C.): Allied Interstate settled for approximately $1.75 million after the FTC alleged the company harassed consumers and attempted to collect from individuals who did not owe the debt.
- People of the State of California v. iQor US Inc. and Allied Interstate LLC (Santa Clara County, 2016): California prosecutors sought over $10 million, alleging iQor used automatic dialing systems to call cell phones without consent and subjected consumers to months of harassing calls, including calls made when no money was owed.
When we open an iQor file, call logs for every number the agency used are the first thing we pull. Volume and timing of robocalls are the most documentable TCPA violations and the most direct path to establishing liability.
Before you respond to them: If iQor has called your cell phone multiple times, those call logs are evidence. The specific numbers, timestamps, and any calls outside the 8 AM to 9 PM window are what we examine first. Call +1-844-638-1122 for a free case review to find out whether you have a federal claim.
Is iQor a Legitimate Collection Agency
iQor is a licensed debt collection agency, but licensed does not mean every tactic is legal. The FTC settlement in 2010 and the California state prosecution in 2016 reflect documented patterns of calling wrong parties, ignoring cease requests, and using autodialing technology without the consent the TCPA requires. Consumers called after a cease request, called on a cell phone without consent, or called despite owing nothing have federal claims regardless of iQor’s license status.
Can iQor Report Your Debt to the Credit Bureaus?
Yes, iQor can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. The agency must report accurately, investigate disputes within 30 days, and cannot furnish information it knows or reasonably believes to be inaccurate.
A specific pattern in iQor complaint records involves credit entries appearing before a validation notice arrives. If a collection entry hit your report before iQor sent written notice within five days of first contact, that sequence may support simultaneous FDCPA and FCRA claims. We request both dates at the outset of every iQor matter we review.
What Are Your Options If iQor Won’t Stop
What We Pull First in an iQor File
The documentation we request goes beyond what most consumers know to preserve. Call log timestamps across every number iQor used are the starting point, because multi-number autodialing to evade call blocking is an independently documentable TCPA violation. We also request the assignment agreement between iQor and the original creditor, since chain-of-title defects directly affect iQor’s legal standing to collect.
- Every phone number that appeared on your caller ID during iQor’s campaign. Spoofed local numbers are a documented tactic in high-volume robocall operations.
- The postmark and letter date on any validation notice iQor sent. Backdating or mailing delays can make a timely-looking notice legally defective.
- Whether the creditor name on iQor’s documentation matches the original creditor on your credit report. Abbreviations obscuring the chain of title are a compliance flag in every file we open.
- Any voicemail iQor left. Collectors frequently fail to identify themselves as debt collectors in recorded messages, the exact omission at the center of FDCPA § 1692e(11) claims.
Once The Wood Firm PLLC sends a notice of representation to iQor, all further communication must be directed to our office. Direct contact with a represented consumer is an FDCPA violation, so iQor’s continued robocalling after that notice creates new, separately actionable claims.
Which Laws Apply to iQor’s Documented Conduct
- FDCPA (15 U.S.C. § 1692): iQor’s alleged pattern of calling wrong parties, ignoring cease requests, and failing to identify callers as debt collectors in voicemails maps to specific FDCPA provisions. Each qualifying violation can yield up to $1,000 in statutory damages.
- TCPA (47 U.S.C. § 227): The 2016 California complaint centered on iQor’s autodialer use without consent. Each illegal robocall carries $500 to $1,500, and a multi-month campaign can produce significant aggregate liability.
- FCRA (15 U.S.C. § 1681): If iQor reported before sending validation notice or continued reporting after a documented dispute, the inaccuracy may be independently actionable.
How The Wood Firm PLLC Helps Fight iQor
The Wood Firm PLLC reviews iQor matters with a specific focus on the autodialing conduct that drew federal enforcement and state prosecution. We examine whether iQor obtained prior express written consent before placing robocalls and whether iQor continued automated calling after consent was revoked.
We compare call log timestamps against any cease-and-desist notice on file, because post-cease robocalling is the most efficiently proven FDCPA violation in high-volume collection campaigns.
The firm handles these cases exclusively on the consumer side and has never represented a creditor or collector. If documented violations exist, iQor is responsible for our fees under the fee-shifting provisions of the FDCPA and TCPA. The review is free, and there are no upfront costs. To get started, call The Wood Firm PLLC at +1-844-638-1122.
Something we see often in iQor files: consumers delete voicemails because calls feel like noise rather than evidence. Those recordings frequently contain failures to identify the caller as a debt collector, a standalone FDCPA violation. If you still have voicemails from iQor, save them before you call. Call +1-844-638-1122 for a free case review.
Frequently Asked Questions
Why did iQor show up on my credit report
iQor appears on your credit report because a creditor assigned your account to the agency for collection and iQor reported it to one or more of the major bureaus. If the entry appeared before iQor sent written validation notice, or if the amount or status is inaccurate, that reporting may violate both the FDCPA and the FCRA.
How do I get iQor to stop calling me
Send a written cease-and-desist notice via certified mail invoking 15 U.S.C. § 1692c(c), limiting further contact to confirming receipt or notifying you of specific legal action. Any call after confirmed receipt is a separate FDCPA violation. Retaining an attorney stops direct contact immediately, because contacting a represented consumer is itself prohibited.
Can iQor sue me for a debt
Yes, iQor can file suit for debts within your state’s statute of limitations, typically three to six years. Threatening suit on a time-barred debt may itself violate the FDCPA. Consult an attorney before paying an old debt, since even partial payment can restart the limitations period in many states.
What happens if iQor called my cell phone using a robocall
Each autodialed or pre-recorded call to your cell phone without prior express written consent may be a TCPA violation carrying $500 to $1,500 per call. The 2016 California civil complaint against iQor specifically targeted this conduct, and call logs from a multi-month campaign can produce substantial aggregate liability.
Is Allied Interstate the same as iQor
Yes. Allied Interstate LLC is a subsidiary of iQor and its primary consumer debt collection entity. Both names appeared in the 2010 FTC settlement and the 2016 California civil complaint, and consumers may see either name on correspondence or credit reports.
Your Next Step If iQor Has Contacted You
The Wood Firm PLLC focuses exclusively on consumer protection and has handled matters against iQor and Allied Interstate involving TCPA robocall conduct, FDCPA cease violations, and FCRA reporting errors. The firm is admitted in federal courts across nine districts, the review is free, and if iQor violated federal law, they pay our fees. Call +1-844-638-1122 today.
Consumer protection attorney with 15+ years representing consumers exclusively, never a creditor or collector. Admitted in federal courts across 9 districts, including all courts of AR, CO, NM, and TX. Based in Little Rock, AR. iQor and its subsidiary Allied Interstate have been the subject of both FTC enforcement and state prosecution for robocall conduct and wrong-party collection, the same patterns that form the core of TCPA and FDCPA claims in these files. Jeff Wood’s practice has focused on precisely this category of autodialer abuse and systematic cease violations.
