Allied International Credit Corp Phone Harassment!

Are you receiving repeated calls from Allied International Credit Corp or from numbers like (800) 285-0636 or (866) 428-1257? Have they contacted you about an eBay, PayPal, or marketplace debt that you know nothing about? Are they calling you at work, leaving messages with co-workers, or contacting family members? Have you told them to stop and they haven’t? You may be entitled to up to $1,000 in statutory damages under federal law, with no legal fees out of pocket.

If any of this sounds familiar, read every word of this guide. Allied International Credit Corp has been named in multiple federal FDCPA lawsuits, holds a 1.1-star Google rating, and has accumulated 53 BBB complaints in three years many involving wrong-person contact, inaccessible phone lines, and collections for debts consumers say they never owed. Our firm has a A+ rating with the Better Business Bureau and has been helping consumers stop debt harassment since 2010. Here is everything you need to know.

Who Is Allied International Credit Corp?

Allied International Credit Corp (AIC) is a multinational third-party debt collection agency that operates in the United States as Allied International Credit Corp. (US). The company is a wholly owned subsidiary of Bill Gosling Outsourcing Holding Corp., a privately held Canadian company. AIC traces its roots to 1955, when it was founded in Ontario, Canada under the Allied International Credit name. Today it operates across the United States, Canada, and the United Kingdom, with more than 2,700 production seats and offices in multiple countries.

In the United States, AIC’s primary operations are concentrated at:

U.S. Headquarters: 6800 Paragon Place, Suite 400, Richmond, VA 23230 Additional U.S. location: 4410 East Claiborne Square, Suite 235, Hampton, VA 23666 Canadian headquarters (parent entity): 26–16635 Yonge Street, Newmarket, ON L3X 1V6

Key personnel (U.S. entity):

• David A. Rae: President and CEO
• David R. Gallagher: Executive Vice President
• Thomas McCausland: Senior Vice President
• Reeza Mohammed: Compliance Manager
• Tammy Chapman: Compliance Administrator

What AIC collects: eBay marketplace seller fees and buyer debts, telecommunications accounts (including Bell Canada, Freedom Mobile), general consumer accounts receivable, financial services debts, and government-referred accounts. AIC also operates B2B collections for commercial clients.

BBB status: U.S. entity: NOT accredited. The U.S. Richmond, VA entity carries no BBB accreditation and no published BBB rating. The Canadian parent entity (Newmarket, ON) holds BBB accreditation with a A+ rating, a distinction that does not transfer to U.S. operations.

BBB complaint volume: U.S. entity: 53 complaints closed in the last 3 years; 10 complaints closed in the last 12 months.

One thing consumers often misunderstand about internationally structured collectors like AIC is that the accreditation and ratings of a Canadian parent company have no legal or practical relevance to how the U.S. subsidiary operates or to consumers’ rights under U.S. federal law. You are dealing with the U.S. entity, governed by the FDCPA, regardless of what AIC’s Canadian operations look like on paper.

Is Allied International Credit Corp Legit or a Scam?

AIC is a real, operational debt collection agency, not a scam or impersonation. The U.S. entity has operated since at least 2001, with multiple physical offices, disclosed leadership, and a major client relationship with eBay. Internationally, they have operated since 1955. Despite legitimacy, AIC has a severe consumer complaint record. They hold a 1.1-star Google rating (52+ reviews), 53 BBB complaints in three years, multiple federal FDCPA lawsuits, and a 1.0-star PissedConsumer rating.

A significant number of consumers report being contacted about eBay debts they say they never owed. Some confirmed directly with eBay that no such debt exists on their account. Whether caused by data errors, account fraud, or misassigned portfolios, the result is the same: consumers are being asked to pay debts that may not be theirs. AIC is real, but its practices generate frequent consumer disputes. Any consumer receiving their calls should exercise their FDCPA right to request written debt validation before paying.

Why Is Allied International Credit Corp Calling Me?

If Allied International Credit Corp is calling you, they believe you owe a consumer debt that has been assigned to them for collection by a client most commonly eBay, a telecommunications provider, a financial institution, or another consumer-facing business. AIC works as a contingency collector, meaning they collect on behalf of the original creditor rather than purchasing the debt outright.

The most documented reason AIC contacts U.S. consumers is collection on eBay seller fees, buyer account balances, or marketplace-related charges that eBay has referred to collection. These include:

• Unpaid seller fees on eBay listings
• Buyer account balances where eBay’s internal billing failed
• Disputed transaction reversals where the seller is held responsible

The problem documented extensively in consumer complaints is that a significant portion of consumers contacted about eBay debts report that when they call eBay directly, eBay has no record of the debt. Some eBay advisors have told consumers to report AIC’s letters to eBay’s fraud department. Others have simply confirmed no balance exists. This does not mean every AIC contact is fraudulent some eBay debts are real and legitimate. But it does mean that verifying independently with eBay before paying anything is an absolute necessity.

Beyond eBay, AIC also contacts consumers for:

• Telecommunications arrears (Bell Canada, Freedom Mobile, and similar carriers)
• General consumer credit accounts
• Government and institutional accounts receivable
• Commercial B2B collections

Allied International Credit Corp Reviews and Consumer Complaints

PissedConsumer: 1.0 Stars

PissedConsumer’s aggregate rating for Allied International Credit reflects a 1.0-star rating from consumer reviews. The platform’s AI-generated summary characterizes the dominant complaint themes as:

• Scam-like collection letters alleging eBay debts
• Automated, harassing calls
• Unresponsive or rude agents
• Requests for payment by wire transfer or Western Union (a significant red flag for any legitimate collector)
• Repeated calls to wrong recipients, including elderly individuals
• Difficulty obtaining dispute resolution

Source: PissedConsumer

BBB Complaint Highlights

The BBB complaint record for AIC’s U.S. entity documents 53 complaints in three years, with common themes including:

“Allied credit International 1-866-428-1257 is calling daily and leaving a message to contact a William L. I have tried to stay on hold for the next representative and after 15 minutes the call disconnects. I have pressed 0 and the message replies there are no representatives currently available. I have left messages for a call back.”

This complaint documents a consumer who was being called daily by AIC but could not reach a live representative to respond, a combination that is both infuriating for consumers and legally significant. A collector that places daily outbound calls but makes it effectively impossible for a consumer to respond has created a one-sided contact dynamic that can constitute harassment under § 1692d.

In our practice, consumers who come to us with AIC complaints most commonly describe two distinct experiences: they are either being contacted about a debt they genuinely don’t recognize and can’t verify, or they have a legitimate debt but are being contacted at a volume and in a manner that crosses legal lines. In both cases, the starting point is the same, a written validation request that legally halts collection activity until AIC proves the debt is real and accurate.

Allied International Credit Corp Phone Numbers

Consumers report receiving calls and letters from the following numbers associated with Allied International Credit Corp (US):

• (800) 285-0636: Primary U.S. business line
• (866) 428-1257: Documented in BBB complaints; collector “William L.” referenced
• (877) 335-0500: Hampton, VA location
• (888) 478-8181: Listed for Canadian operations; may appear on some U.S. contacts

If you receive a call from any of these numbers and the caller demands payment without identifying themselves clearly or without being able to confirm the name of the original creditor and a specific account number, do not provide any personal financial information.

Federal Lawsuits Against Allied International Credit Corp

Case 1: Ottmann v. Allied International Credit Corp., (US)

Court: U.S. District Court, Eastern District of Wisconsin Docket: 2:18-cv-00136 Filed: January 26, 2018 Claims: FDCPA, failure to properly identify creditor in validation notice

A Wisconsin consumer filed this proposed class action alleging that Allied International Credit Corp violated the FDCPA by failing to clearly identify in a collection notice the name of the creditor to whom the debt was owed. The collection letter stated:

“The above referenced account has been referred to our office for collection. Our client’s previous attempts to resolve this debt have proven unsuccessful.”

Though eBay was named elsewhere in the notice, the lawsuit argued that AIC failed to explicitly state eBay as the creditor to whom payment was owed, a direct violation of FDCPA § 1692g(a)(2), which requires the collector to state “the name of the creditor to whom the debt is owed.” The proposed class encompassed all consumers who received a materially similar AIC collection letter that failed to properly identify the creditor.

Official source: ClassAction.org: Ottmann v. Allied International Credit Corp., (US)

Our firm’s perspective: The language AIC used “our client” is exactly the kind of vague creditor reference courts have consistently found to be inadequate under the FDCPA. The statute requires the name, not a pronoun. When a collector sends out tens or hundreds of thousands of collection letters with that omission, it is not a typo, it is a systemic compliance failure that affects every consumer who received one of those letters. If you received an AIC collection notice that did not clearly state the original creditor’s name, that letter itself may be the basis of an FDCPA claim.

Case 2: DeJesus v. Allied International Credit Corp.

Court: U.S. District Court, Middle District of Florida Docket: 8:21-cv-02401 Filed: October 13, 2021 Claims: FDCPA (15 U.S.C. § 1692), FCRA (15 U.S.C. § 1681), TILA (15 U.S.C. § 1601) Status: Settled (Notice of Settlement filed)

This 2021 action brought claims against Allied International Credit Corp under three federal consumer protection statutes, the FDCPA, the Fair Credit Reporting Act, and the Truth in Lending Act. The corporate disclosure filed by AIC in this case confirmed the company’s parent: Bill Gosling Outsourcing Holding Corp. The case resolved by settlement.

Our firm’s perspective: A settlement in a case like this is significant because it confirms that AIC made a business decision that paying the consumer was a better outcome than contesting the claims at trial. That is not an admission of liability, but it is a signal. Collectors who have strong defenses take cases to trial. Collectors who are uncertain about their exposure settle. The combination of FDCPA, FCRA, and TILA claims in a single action also demonstrates the layered legal exposure that exists when a collector both harasses a consumer and inaccurately reports to the credit bureaus.

FDCPA and TCPA Violation Reference Table

The eBay Debt Problem: What Consumers Must Know

One of the most distinctive and alarming patterns in Allied International Credit Corp’s complaint record is the volume of consumers who receive collection letters claiming to be from eBay but who confirm with eBay directly that no debt exists.

This situation arises in several scenarios, all of which are legally significant:

• Scenario 1: The debt is real but the account was fraudulently opened. AIC itself confirmed this in at least one documented PissedConsumer case, where eBay acknowledged the account was opened fraudulently without the consumer’s knowledge. In this case, AIC was collecting on behalf of a client (eBay) on an account that was itself the product of identity theft. The consumer owes nothing.
• Scenario 2: The debt is real but eBay’s own records are inconsistent. Some consumers who have genuinely used eBay report receiving collection notices for amounts eBay cannot confirm or that differ from what eBay shows. Data transfer errors between eBay and AIC can create discrepancies.
• Scenario 3: The consumer genuinely owes the debt. eBay seller fees and buyer account balances are legitimate consumer debts. If you have used eBay and allowed fees or balances to go unpaid, AIC may legitimately be collecting on behalf of eBay.

In all three scenarios, the correct first step is identical: request written validation from AIC and contact eBay directly (not through a number AIC provides) to confirm whether a balance exists on your account.

If eBay tells you no balance exists, document that conversation, the date, the name of the eBay representative, and what they told you. That documentation may be the core of an FDCPA claim if AIC continues to pursue collection after you dispute the debt in writing.

How to Stop Allied International Credit Corp Calls?

Step 1: Do not share personal or payment information

If AIC calls you, avoid confirming sensitive details like your Social Security number, bank account, or card information. Instead, ask for the company’s full name, mailing address, and the original creditor then end the call.

Step 2: Independently verify the debt

Contact the original creditor (for example, eBay if referenced) using their official website or customer support. Do not rely on contact details provided by the collector.

Step 3: Request written debt validation

Send a certified letter to AIC requesting full validation of the debt, including the original creditor, amount, and payment history. Once received, they must stop collection activity until verification is provided.

Step 4: Keep detailed records of all contact

Track every call, voicemail, and letter. Note dates, times, phone numbers, and what was said. Patterns like repeated or excessive calls can support potential legal claims.

Step 5: Contact Consumer Rights Law Firm PLLC for a free case review

If AIC continues calling, fails to validate the debt, or engages in harassment, you may have a case under federal law. Consumer Rights Law Firm PLLC can evaluate your situation, stop the calls, and pursue compensation on your behalf often at no cost to you.

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. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Allied International Credit Corp. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Success Stories

• The team at Consumer Rights Law Firm is amazing! A company had been harassing me and my family for a substantial ammount of time trying to collect a debt and I didnt know what to do. After a breif and informational conversation, this law firm’s associates took care of the rest. Not only do I no longer owe the debt but the company paid the attorney fees and the collection isn’t docking my credit anymore! Everything was resolved in a very short ammount of time and in a very professional manner. These guys rock.
• Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!
• Being completely honest I was extremely hesitant and worried about this being a joke. I am extremely grateful that I took a chance with Matt and he took care of me, even answering my calls/texts at any time of the day. He was able to get the harassment to stop from the debt collector within a week (nonstop robo calls) and roughly a month after signing him as my attorney he called me stating me debt of over 4k was waived. No attorney fees, no debt and no more spam calls. Thank you so much, massive weight has been lifted off my shoulder. These guys are the real deal.

Frequently Asked Questions

1. Why is Allied International Credit Corp. contacting me about an eBay debt I don’t recognize?
In many reported cases, consumers are contacted about alleged eBay debts that later turn out to be inaccurate or even fraudulent. Always verify directly with eBay before taking any action.

2. Can Allied International Credit Corp. collect on a debt that eBay says I don’t owe?
No. If the original creditor confirms no balance exists, continued collection attempts may violate the FDCPA and could be legally actionable.

3. Why does AIC continue calling me after I told them the debt is wrong?
Under federal law, once you dispute a debt in writing, AIC must stop collection efforts until they provide verification. Continued calls without validation may be a violation.

4. Is it normal for AIC to call dozens of times in a short period?
No. Excessive call frequency such as multiple calls per day may violate FDCPA standards and can create a presumption of harassment under the 7-in-7 rule.

5. What should I do if AIC refuses to identify themselves on a call?
Debt collectors are legally required to disclose their identity and that they are attempting to collect a debt. Refusal to do so may violate FDCPA disclosure requirements.

6. Can AIC try to collect a debt caused by identity theft or fraud?
They may attempt to, but once you notify them the account is fraudulent, they must investigate and cease collection if the claim cannot be verified.

7. Why am I getting calls from AIC about someone else’s debt?
This can happen due to skip-tracing errors where your number is incorrectly linked to another person. Continued contact after notice may violate federal law.

8. Can AIC report a disputed or fraudulent debt to credit bureaus?
They can report debts, but if the information is inaccurate or disputed, it must be properly marked and investigated under the FCRA. Incorrect reporting can be challenged and removed.

9. What does it mean if AIC suddenly stops contacting me after complaints are filed?
In many cases, once consumers file complaints with regulators (FTC, AG, BBB), collectors may drop accounts they cannot verify or that pose legal risk.

10. Can I take legal action against Allied International Credit Corp.?
Yes. If AIC violates laws like the FDCPA, TCPA, or FCRA through harassment, false claims, or improper reporting you may be entitled to statutory damages and attorney fees.

Other Phone Numbers Allied International Credit Corp May Use