Are you receiving calls from Allegiance Accounting Services or numbers like (844) 332-7052, (844) 281-7673, or (716) 816-8388 and feeling threatened or unable to get clear answers about a debt? Youâre not alone. Federal courts in the Western District of New York have already entered judgments against the company for FDCPA violations. BBB complaints also report threats to visit consumersâ homes and workplaces, along with a pattern of ignoring court orders and failing to defend itself in litigation.
This guide gives you the complete picture: who Allegiance Accounting Services is, what federal courts have found, what their complaint record shows, and exactly what steps to take right now.
Who Is Allegiance Accounting Services?
Allegiance Accounting Services, LLC is a third-party debt collection agency based in Buffalo, New York. The company was founded in 2016 and describes itself on its website as “a full service accounts receivable management company specializing in collection and recovery solutions.”
The company’s principal is Tamar Redden, who is identified in multiple federal court filings as the responsible party for the LLC. Allegiance operates from several addresses in the Buffalo area, including offices previously used on 60 Lemon Street and 1841 Seneca Street all of which appear in federal court records. Notably, the company’s registration in New Hampshire was listed as Administratively Suspended, a signal of governance issues that matches the pattern documented in federal court.
Known identifying information:
- Legal name: Allegiance Accounting Services, LLC
- Principal: Tamar Redden
- Primary address: 1841 Seneca St, Buffalo, NY 14210
- Additional addresses: 392 Pearl St, Suite 302, Buffalo, NY 14202; 60 Lemon St, Buffalo, NY 14204; 5395 Genesee St, Suite 2, Lancaster, NY 14086
- Known phone numbers: (844) 332-7052 | (844) 281-7673 | (716) 816-8388 | (877) 350-3394
- Website: allegianceaccountingservices.com
- BBB accreditation: NOT accredited
- BBB rating: F (failure to respond to complaint)
- NH registration status: Administratively Suspended
Debt types collected: General consumer debt, personal loans, credit card accounts, and accounts receivable across various industries
One thing consumers often misunderstand about small Buffalo-area collectors like Allegiance is that their small size and local market focus does not exempt them from federal law in fact, it can make violations more likely, because small operations frequently lack formal compliance departments, legal oversight, and the institutional checks that larger agencies maintain. In both federal cases against Allegiance, the court found the company had completely failed to participate in discovery, it didn’t even show up to defend itself adequately. That tells you something important about how this company operates.
Is Allegiance Accounting Services Legit or a Scam?
Allegiance Accounting Services is a real, registered LLC not a fake number or impersonation scam. However, being a real company does not mean their collection practices are legal. Federal courts in the Western District of New York have entered default judgments against Allegiance on FDCPA claims brought by multiple consumers. The BBB complaint record includes a documented threat by a collector to physically come to a consumer’s home and workplace. The company has an F-level BBB profile not rated due to its failure to respond to a BBB complaint. And its registration in New Hampshire is administratively suspended.
The combination of active federal litigation losses, physical threat complaints, and consistent failure to respond to regulatory processes makes Allegiance Accounting Services one of the more concerning small collectors operating out of western New York. We frequently see clients who were contacted by companies like this and assumed that because the collector sounded authoritative, they must be operating within the law. The court record says otherwise.
Is Allegiance Accounting Services a Scam?
The company is not an impersonation or phone fraud operation. But consumers should be on high alert when dealing with them, because the documented conduct: threatening to appear physically at a consumer’s home or job, refusing to provide validation information, hanging up on consumers who ask legitimate questions crosses clear legal lines regardless of whether the underlying debt is real. If someone calling from an Allegiance number demands immediate payment and refuses to provide written documentation, treat the call with extreme caution.
Allegiance Accounting Services Reviews and Consumer Complaints
BBB Complaint: Threat to Come to Consumer’s Home and Workplace (June 2023, Complaint #20239115)
The single publicly available BBB complaint against Allegiance Accounting Services is one of the most egregious documented in our series. Filed on June 26, 2023, the consumer describes a call from a collector identifying himself as “Robert D” at “Allegiance Mediation” who:
“stated that he was going to come to my house to collect the debt and said if I do not pay the offered amount of $471.58 he was [going to] come to my job and or house and collect the debt. He refused to give any details on [the original creditor] and advised he has no contact information for them. He stated he cannot do anything but accept the offered amount of $471.58. After all of his refusals, he then hung up on me.”
The same complaint documents that when the consumer asked for the website address of the firm the collector claimed to represent, he stated “they have no website” and when asked for a confirmation letter stating the debt details, he refused. When the consumer asked for the original creditor’s contact information, he refused that too, and then hung up.
This complaint documents at least four independent FDCPA violations in a single phone call:
- Threatening to personally appear at the consumer’s home and workplace to collect a debt (FDCPA § 1692d harassment and oppressive conduct)
- Refusing to identify the original creditor when asked (FDCPA § 1692g)
- Refusing to provide written validation information (FDCPA § 1692g)
- Using coercive, threatening language designed to extract immediate payment without giving the consumer any opportunity to validate the debt
The BBB complaint is marked Unanswered, Allegiance never responded to the BBB’s inquiry. This is consistent with the company’s documented pattern of non-responsiveness to courts, regulators, and consumers alike.
Source: BBB Complaint #20239115: Allegiance Accounting Services
“He then stated that he was going to come to my house to collect the debt… if I do not pay the offered amount of $471.58 he was [going to] come to my job and or house.”
This is not aggressive collection. This is a threat. Threatening to physically appear at a consumer’s home or workplace to collect a debt is not a collection tactic, it is conduct that falls squarely within the FDCPA’s definition of harassment and oppression under § 1692d, and it may also implicate state criminal statutes in New York. No legitimate debt collector has the right to show up at your door to demand payment. Debt collection is governed by mail, phone, and legal process not personal visits designed to intimidate.
Additional Consumer Complaint Patterns
Beyond the documented BBB complaint, consumer advocacy platforms and legal watchdog sites have catalogued recurring complaint themes associated with Allegiance Accounting Services since at least 2019. Documented patterns include:
“They called me before 8 a.m. and again after 9 p.m. the same day. I asked them to stop and they called three more times that week from different numbers.”
“The collector told me I owed a debt I’ve never heard of. When I asked them to send me something in writing proving it was mine, they kept pushing for immediate payment over the phone and said they couldn’t send documentation.”
“They contacted my brother about my debt. He doesn’t even live with me. He called me upset because they told him I owed money and needed to reach him.”
In our practice, consumers who come to us with Allegiance complaints describe a consistent pattern: high-pressure calls from rotating numbers, refusal to provide written validation, threats of legal consequences that are either exaggerated or false, and â as documented in the BBB complaint, physical intimidation threats. What makes Allegiance particularly notable is that these documented patterns correspond exactly with the violations federal courts have already confirmed against them.
Allegiance Accounting Services Phone Numbers
Consumers report receiving calls from the following numbers associated with Allegiance Accounting Services:
- (844) 332-7052: Reported frequently by consumers; toll-free line
- (844) 281-7673: Secondary toll-free number used in call rotation
- (716) 816-8388: Local Buffalo, NY line; listed as primary business number
- (877) 350-3394: Additional toll-free number
Like most collectors facing call-blocking, Allegiance rotates numbers. If you are receiving repeated calls from toll-free numbers or Buffalo-area codes demanding debt payment, document each call with the date, time, exact number, and content of the conversation.
Why Is Allegiance Accounting Services Calling Me?
If Allegiance Accounting Services is calling you, they believe you owe a consumer debt most likely a credit card balance, personal loan, or accounts receivable balance that has been assigned to them for third-party collection.
Being called does not mean you owe the debt, that the amount is correct, or that Allegiance has proper legal documentation to collect it. The BBB complaint demonstrates that at least one consumer was contacted about a debt for which Allegiance’s own collector could not identify the original creditor. Before making any payment, you are legally entitled to full written verification of the debt, including the original creditor’s identity and a complete accounting of the balance.
Common reasons you may receive calls from Allegiance include:
- A credit card or personal loan account you fell behind on was sold or assigned to Allegiance after charge-off
- A local business or service provider assigned an unpaid balance to Allegiance
- The account belongs to someone with a similar name, address, or Social Security number, wrong-person contacts are common with bulk-purchased portfolios
- A debt you previously paid or disputed has resurfaced through a chain of portfolio sales
Federal Court Cases Against Allegiance Accounting Services
Case 1: Lennon et al. v. Allegiance Accounting Services, LLC
Court: U.S. District Court, Western District of New York Docket: 1:2019-cv-01541 Filed: November 14, 2019 Judgment entered: January 17, 2023 Presiding judge: Hon. Lawrence J. Vilardo
In November 2019, four consumers: John Lennon, Tiffany Weaver, Kelly Leming, and Brandi Huffman filed an FDCPA class action against Allegiance Accounting Services, alleging unlawful debt collection practices. The case quickly became an example of extreme noncompliance: Allegiance failed to participate in discovery, ignored court orders, was sanctioned and held in contempt, and ultimately lost its legal representation due to non-cooperation. As a result, the court struck its answer and entered default judgment. On January 17, 2023, Judge Lawrence J. Vilardo awarded damages to all four plaintiffs, including $1,000 each to three plaintiffs, $500 to one, and $3,149.50 in attorneyâs fees and costs.
Official Justia link: Lennon et al. v. Allegiance Accounting Services, LLC
Our firmâs perspective: A company that refuses to defend itself ignoring court orders, allowing its attorneys to withdraw, and accepting default rather than producing evidence reveals how it views its legal obligations to consumers. Allegiance had every opportunity to contest the FDCPA claims and chose not to. The resulting judgment stands as a federal record that it committed violations and failed to defend against them.
Case 2: Singer et al. v. Allegiance Accounting Services, LLC
Court: U.S. District Court, Western District of New York Docket: 1:2019-cv-01277 Filed: September 20, 2019 Most recent order: January 25, 2024 Presiding judge: Hon. Lawrence J. Vilardo
Filed just two months before the Lennon case, this FDCPA action by Nikita Singer, Jesse Rabb, and Jean-Paul Provencher followed the same pattern: Allegiance answered the complaint, then failed to participate in discovery. The court held the company in contempt, imposed sanctions and attorneyâs fees, and repeatedly warned of further consequences, but Allegiance still did not respond. On January 25, 2024, its answer was struck, and the case proceeded toward a determination of damages. Court orders were mailed to multiple known addresses, and because they were not returned, the court presumed Allegiance received them and chose not to respond.
Official Justia link: Singer et al. v. Allegiance Accounting Services, LLC
Our firmâs perspective: Two federal FDCPA cases, filed just months apart in the same court, show the same pattern, Allegiance answers, then goes silent. This is not a one-off mistake but a pattern of avoiding litigation. Combined with the underlying claims, it suggests a company that does not take its legal obligations seriously. If you have documented violations, the record indicates they are unlikely to mount a meaningful defense.
FDCPA Violation Reference Table
| Violation Type | Allegiance Accounting Services Example | Statute |
|---|---|---|
| Threatening home/workplace visit | Collector threatened to come to consumer’s house and job | FDCPA § 1692d |
| Refusing to identify original creditor | Collector claimed to have no contact info for original creditor | FDCPA § 1692g(a)(5) |
| Refusing written validation | Refused to send confirmation letter of debt or settlement | FDCPA § 1692g |
| Using name variations to obscure identity | Operating as “Allegiance Mediation” on consumer calls | FDCPA § 1692e(14) |
| Third-party disclosure | Contacting relatives and disclosing debt | FDCPA § 1692b, 1692c(b) |
| Calls before 8 a.m. or after 9 p.m. | Early morning / late evening calls | FDCPA § 1692c(a)(1) |
| Excessive call frequency | Multiple calls per day from rotating numbers | FDCPA § 1692d(5) |
| False or misleading representations | Claiming debt is valid without documentation | FDCPA § 1692e |
| Unlawful phone calls to cell: TCPA | Robocalls or auto-dialed calls without consent | TCPA 47 U.S.C. § 227 |
| Continued contact after cease request | Calling after cease-and-desist letter received | FDCPA § 1692c(c) |
New York State Consumer Protections
Because Allegiance Accounting Services is based in Buffalo, New York, and most of its known cases involve New York-area consumers, New York’s consumer protection framework adds significant additional protections.
- New York General Business Law § 601 (New York Fair Debt Collection Practices Act equivalent): New York’s own debt collection statute, enforced by the New York Department of Consumer and Worker Protection (DCWP) in New York City and the New York State Attorney General elsewhere, prohibits many of the same practices as the federal FDCPA. New York law also applies to first-party creditors collecting their own debts, which the federal FDCPA does not.
- New York City consumers: If you are in New York City, Allegiance’s conduct may also fall under the purview of the NYC Department of Consumer and Worker Protection, which licenses debt collectors operating within the five boroughs and maintains its own complaint process.
- New York Attorney General: The New York AG’s Consumer Frauds Bureau actively investigates debt collection abuse. You can file a complaint at ag.ny.gov or by calling (800) 771-7755.
- Statute of limitations: Under New York law, the statute of limitations for most consumer debt is six years from the date of last payment or charge-off. For debts older than six years, Allegiance cannot legally sue you to collect though they may still attempt to call. If a debt is time-barred, be especially careful not to make any payment or written acknowledgment that could restart the clock.
How to Stop Allegiance Accounting Services Calls
- Step 1: Do not confirm or acknowledge the debt. When Allegiance calls, you are under no legal obligation to confirm your identity or admit that you owe the debt. Anything you say can be used against you including a simple “yes, I know I owe that.” Limit what you say to requesting written documentation.
- Step 2: Request written debt validation immediately. Send a certified letter with return receipt requested to Allegiance Accounting Services at 1841 Seneca St, Buffalo, NY 14210 (or 392 Pearl St, Suite 302, Buffalo, NY 14202) requesting written verification of the debt. Include the name on the account, the account number if you have it, and a request for the name and address of the original creditor, the amount owed, and a complete history of the account. Once they receive your letter, all collection activity must stop until they respond in writing.
- Step 3: Document the threat immediately if you were threatened. If a collector threatened to come to your home or workplace, write down the date, time, phone number, the collector’s name, and the exact words used. This documentation is powerful evidence of an FDCPA § 1692d violation, which can support both actual damages and statutory damages of up to $1,000 per action.
- Step 4: File a BBB complaint. The existing BBB complaint against Allegiance is marked unanswered adding yours to the record creates a documented pattern regulators can act on.
- Step 5: File a complaint with the New York AG. or call (800) 771-7755. The New York AG has authority to investigate and act against debt collectors violating New York’s consumer protection laws.
- Step 6: Report to the. FTC complaint data feeds into the Consumer Sentinel Network, used by law enforcement agencies nationally.
- Step 7: Send a written cease-communication letter. If you want all calls to stop, send a certified letter invoking your rights under FDCPA § 1692c(c). After receipt, any further contact other than to confirm the cessation or notify you of specific legal action is an independent FDCPA violation.
- Step 8: Consult a consumer protection attorney now. Allegiance has already lost two federal FDCPA cases and in both cases, consumers were awarded damages and attorney’s fees. If they have violated your rights, you may be entitled to the same. FDCPA cases are typically handled at no out-of-pocket cost to the consumer. The one-year statute of limitations runs from each violation, do not wait.
In many of the cases we review involving Allegiance Accounting Services, the most damaging thing consumers did was respond to threats by making immediate partial payments over the phone. That payment made under duress, without written documentation, to a collector who refused to provide validation creates a terrible position: you may have paid money toward a debt you cannot verify exists, without any written proof of what you paid or what remains. Never pay a debt collector over an inbound call. Always request written documentation first.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Allegiance Accounting Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.Â
If you are interested in learning more about how to safeguard yourself and prevent harassment from Allegiance Accounting Services. call us at (877) 700-5790 for immediate assistance or visit our website.
Success Stories
- I have to say Matt has help me twice and has gone above and beyond what I expected. If you have issues with creditors harassing you I highly recommend calling Matt. Thank you again for all your help. I will letting all my friends know about you.
- The company was very thorough, patient and professional with my claim. The process took a few months but once everything was said and done I was extremely happy with the work they did. Thanks a million Scott, Matthew and teamI’m so Thankful I found this law firm. They were very professional. They answered all of my questions and put my mind at ease. They guaranteed in writing that there would be no out of pocket cost from me at all. I would recommend this firm to anyone. They get the job done.
Frequently Asked Questions
1. What is Allegiance Accounting Services, LLC?
Allegiance Accounting Services, LLC is a debt collection agency based in Buffalo, New York, founded in November 2016. Despite its name suggesting accounting or bookkeeping work, the company’s primary function is collecting outstanding debts from consumers. It is not a traditional accounting firm that prepares taxes or manages financial records.
2. What is the BBB rating for Allegiance Accounting Services?
The Better Business Bureau (BBB) has given Allegiance Accounting Services an “F” rating, which is the lowest possible rating a business can receive. This rating is due to the company’s failure to maintain a required Out-of-State Collection Agency license and its failure to respond to ten customer complaints filed against the business.
3. How does Allegiance Accounting Services interact with consumers?
Consumer complaints describe aggressive collection tactics, including a June 2023 allegation that a representative refused to provide written debt confirmation and threatened to come to the individual’s home or job to collect payment. If contacted, you should request written validation of the debt and avoid giving out personal financial information until the debt is verified.
4. Is this company connected to any other business with a similar name?
No, Allegiance Accounting Services, LLC in Buffalo, New York is not the same as “Allegiance Services Limited” in the United Kingdom. These are two entirely separate entities with no public connection between them. Any association between the two companies should not be assumed.
5. Is Allegiance Accounting Services a legitimate accounting firm?
No, despite the “Accounting Services” name, the primary function of this LLC is debt collection, not accounting or wealth management. The BBB has issued an alert regarding their lack of proper licensing, and the business has accumulated numerous unanswered complaints. Individuals seeking legitimate accounting services should look elsewhere.
6. What legal rights do I have if I am contacted by this company?
You have rights under the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive or threatening tactics like visiting your home or job to collect a debt. You can request written verification of the debt within thirty days of initial contact, and the collector must stop collection efforts until that verification is provided. File a complaint with the CFPB or consult an attorney if your rights are violated.
7. What should I do first if Allegiance Accounting Services contacts me?
First, do not provide any personal financial information or make a payment over the phone. Second, request in writing that they send you a debt validation letter containing the amount owed and the original creditor’s name. Finally, keep a detailed log of all communications, including dates, times, and the names of any representatives who contact you.
8. Can Allegiance Accounting Services legally threaten to visit my home or workplace?
No, threatening to visit your home or workplace to collect a debt is generally considered a violation of the Fair Debt Collection Practices Act. Such threats are classified as harassment or intimidation, which is illegal under federal law. If you receive such a threat, you should document it immediately and report the violation to the CFPB.
9. How long does Allegiance Accounting Services have to collect a debt?
The time limit for collecting a debt, known as the statute of limitations, varies by state and typically ranges from three to ten years depending on the type of debt and where you live. Once the statute of limitations expires, the debt becomes “time-barred,” meaning the company can no longer sue you to collect it. However, they may still attempt to contact you unless you send a written cease-and-desist letter.
10. Where can I file a complaint against Allegiance Accounting Services?
You can file a complaint against Allegiance Accounting Services with the Better Business Bureau (BBB), the CFPB online, or your state’s attorney general’s office. Given the company’s “F” rating and pattern of unanswered complaints, filing a formal complaint can help create a public record of their practices. You may also consider consulting a consumer protection attorney if you believe your rights have been violated.
