At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010, and we hold a 5-star rating with the Better Business Bureau. The clients who come to us about iQor or its Allied Interstate subsidiary describe situations that, taken individually, look like routine collection disputes, wrong-number calls, robocalls to cell phones, demands for debts the consumer does not recognize. Taken collectively across the iQor record, however, those individual experiences fit a pattern that has cost the company millions in regulatory penalties and produced over 200 federal lawsuits. This guide walks through the verified facts.
What Is iQor? Understanding the Company Behind the Calls
iQor, Inc. is a privately held global business process outsourcing company that operates a major debt collection network in the U.S., primarily through its subsidiary Allied Interstate, LLC. Its regulatory history includes one of the largest FTC settlements against a debt collector at the time.
Founded as a holding company for outsourcing operations, iQor expanded under CEO Vikas Kapoor into a global organization providing customer care, technical support, revenue generation, and accounts receivable management. The company filed for Chapter 11 bankruptcy in 2020 to restructure debt and emerged shortly after. In 2024, iQor was acquired by Mill Point Capital and remains privately held.
Verified Company Information:
- Full Legal Name: iQor Holdings, Inc. (parent) / iQor, Inc. / iQor US Inc.
- Primary Debt Collection Subsidiary: Allied Interstate, LLC (founded 1954)
- Other Allied Interstate Aliases: National Mediform Processors, Southern Credit Clearing, IntelliRisk Management Corporation, Debt Control Center, Collectech Systems, Cold Data
- CEO (since 2004): Vikas Kapoor
- Current Owner (since 2024): Mill Point Capital and iQor management team
- iQor Headquarters: 6700 N Andrews Ave, Suite 600, Fort Lauderdale, FL 33309-2199
- Allied Interstate Headquarters: 7525 W Campus Rd, New Albany, OH 43054-1121
- iQor New York Office: 335 Madison Ave, Room 2700, New York, NY 10017-4653
- Pueblo Call Center: Pueblo, Colorado
- Primary Phone: 1-800-811-4214 (Allied Interstate)
- Total Employees: Approximately 42,000 across 18 countries
- Call Centers: Approximately 40 in North America and Asia
- Website: iqor | allied-interstate
- BBB Accredited (Allied Interstate): Yes, A+ rating with documented Notice of Government Action
- iQor BBB Profile (NYC): Not BBB Accredited handled by another BBB
- CFPB Complaints: Numerous, among the most-complained-about agencies in the database
- Federal Lawsuits: 200+ documented in PACER for Allied Interstate
- Type: Global Business Process Outsourcing (BPO) and Third-Party Debt Collection
→ iQor — Better Business Bureau Profile (NYC)
What Type of Debt Does iQor / Allied Interstate Collect?
iQor and its Allied Interstate subsidiary collect across a remarkably wide range of debt types and industries making them one of the most diverse collection operations in the United States, with documented activity in financial services, telecommunications, student loans, government accounts, and utilities.
According to documented industry sources and federal court filings, iQor and Allied Interstate collect on:
- Defaulted credit card and consumer credit accounts
- Student loan accounts
- U.S. Department of Education accounts
- Telecommunications accounts
- Utility company accounts
- Government agency accounts
- Commercial debt
- Bank-owned consumer debt
What sets iQor and Allied Interstate apart is the scale of their operations and the volume of accounts they handle. Enforcement actions, including a major California case, have cited patterns like excessive call frequency and repeated wrong-person calls.
In practice, clients often report that the debts tied to these calls especially student loans or old credit cards are very old, may have changed hands multiple times, and are sometimes difficult for the collector to fully document or verify.
Why Is iQor / Allied Interstate Calling You?
iQor or Allied Interstate is calling because either an original creditor has placed your account with them for collection, they have purchased the debt as a debt buyer, or based on the documented California enforcement record because their automated dialing system has called your number incorrectly without any actual debt connected to you.
The California Attorney General’s investigation that produced the $9 million settlement specifically documented:
- Hundreds of calls to a single consumer
- Wrong-number calls
- Calls to consumers who owed no money at all
- Calls to debts that had previously been discharged in bankruptcy
- Calls outside legal hours
This pattern has been consistent across regulatory actions against iQor and Allied Interstate over more than a decade. In our practice, when a client comes to us reporting calls from Allied Interstate or iQor and they do not recognize the debt or the debt was previously discharged, we treat that as a fact pattern that has been documented at the regulatory level repeatedly.
Is iQor / Allied Interstate a Scam?
No, iQor and Allied Interstate are real, registered, multi-billion-dollar businesses, not scams in the traditional sense but the company’s documented regulatory and legal record includes some of the largest enforcement actions ever brought against a debt collection operation.
Allied Interstate has been operating since 1954, holds A+ ratings with the BBB at certain offices, and is one of the most established collection brands in the United States. They are also documented in 11 separate law enforcement actions over a 10-year period, according to consumer protection legal sources. That regulatory density is significant for a single corporate group.
Verified iQor / Allied Interstate phone numbers reported by consumers:
- 1-800-811-4214: Primary Allied Interstate corporate line
- 888-253-3108: Documented Allied Interstate calling number
- Various local area codes used through their automated dialer system
If you receive a call from any of these numbers or from an unfamiliar number where the caller identifies as Allied Interstate or iQor, verify before sharing any personal or financial information. Call 1-800-811-4214 directly (not from a number provided in voicemail) to confirm whether the company has an account in your name.
What Do BBB and Consumer Reports Reveal About iQor / Allied Interstate?
The complaint volume against iQor and Allied Interstate is exceptionally high placing the company among the most-complained-about debt collectors in the United States across multiple regulatory databases.
→ Allied Interstate: Better Business Bureau Complaints
- BBB Complaints and Rating: Allied Interstate has a high volume of BBB complaints, with most related to billing and collection issues and many negative reviews. Despite this, it has maintained an A+ rating. However, its BBB profile also includes a Notice of Government Action tied to enforcement for FDCPA and TCPA violations. The rating reflects BBB engagement, while the notice reflects regulatory findings.
- State Complaint Data: The Ohio Attorney General has received over 200 complaints against Allied Interstate, indicating ongoing consumer concerns in its home state.
- Common Consumer Issues Reported: Consumers frequently report serious concerns, including unauthorized charges, wage garnishment without clear debt reduction, and difficulty tracking how payments are applied. These issues raise potential compliance concerns under multiple consumer protection laws.
- Debt Verification Problems: Another common complaint is refusal to provide basic debt details or billing information. Under federal law, collectors must provide verification if a debt is disputed. Failure to do so while continuing collection efforts may violate legal requirements.
What Calling Tactics Has iQor / Allied Interstate Used?
The regulatory and legal record against iQor / Allied Interstate documents a comprehensive set of collection tactics that have been the subject of multiple federal and state enforcement actions including the FTC’s $1.75 million settlement and California’s $9 million settlement.
2010 FTC Settlement: $1.75 Million for FDCPA Violations
In 2010, the Federal Trade Commission secured a settlement with Allied Interstate for $1.75 million believed at the time to be the largest civil penalty ever obtained by the FTC against a third-party debt collector. The FTC lawsuit specifically alleged that Allied Interstate:
- Continued to contact consumers even after being informed they did not owe the debt
- Placed numerous illegal collection calls to third parties
- Placed multiple collection calls over short periods of time
- Used abusive and/or profane language during collection calls
- Revealed details of consumers’ debts to third parties
- Falsely threatened to sue consumers without any intention of doing so
→ FTC Case Documentation Allied Interstate Inc.
This was the 11th law enforcement action filed against Allied Interstate over a 10-year period, a regulatory frequency that, by itself, signals systemic compliance issues rather than isolated incidents.
2017 California Multi-County Settlement: $9 Million
In 2017, iQor and Allied Interstate settled a major enforcement action with the District Attorneys of Los Angeles, Riverside, San Diego, and Santa Clara counties for $9 million. The legal action, which commenced on September 14, 2016, alleged violations of:
- The federal Fair Debt Collection Practices Act (FDCPA)
- The California Rosenthal Fair Debt Collection Practices Act
- The Telephone Consumer Protection Act (TCPA)
- California’s constitutional right to privacy
The Santa Clara DA’s press release specifically stated the conduct involved “calling consumers with excessive frequency, sometimes hundreds of times and sometimes calling the wrong person numerous times; failing to cease calling even when advised that they had reached the wrong number; and using a robo-dialer, known as a ‘predictive dialer,’ to place calls to the cell phones of consumers without having adequate proof that the consumer had consented to be called on their cell phone.”
→ insideARM — iQor and Allied Interstate Settle California Action for $9M
The settlement set strict phone call parameters for Allied Interstate, iQor Holdings, and affiliated firms over a five-year period, a regulatory consequence that demonstrates the seriousness with which California treated the underlying conduct.
2022 DirecTV Settlement — $17 Million TCPA Class Action
In 2022, DirecTV agreed to a $17 million settlement to resolve a TCPA class action specifically based on robocalls placed by debt collectors working on DirecTV’s behalf including iQor, Credit Management, AFNI, and Enhanced Recovery Co. According to settlement documents, these agencies “called at least 220,000 unique wrong numbers belonging to individuals who never ordered DirecTV services.” The plaintiffs claimed DirecTV “either knew or consciously avoided knowing about these improper telemarketing practices.”
→ LeadsHook — 35 Biggest TCPA Lawsuits Ever (Documents DirecTV Settlement)
In our practice, the DirecTV settlement is significant because it demonstrates that iQor’s automated dialing infrastructure has been documented at scale to be making calls to wrong numbers 220,000 unique wrong numbers in a single client engagement. That volume of incorrect contact reflects systemic issues with how iQor’s dialer operates, not isolated wrong-number incidents.
Verified Federal FDCPA / TCPA Cases Against Allied Interstate
Multiple specific federal cases provide additional documentation:
→ Top Class Actions — Three FDCPA Lawsuits Filed Against Allied Interstate
→ Top Class Actions — North Carolina FDCPA Lawsuit Against Allied
Predictive Dialer Use Without Consent
Regulators have cited iQor’s use of predictive dialers, which can generate automated calls at scale. This often leads to wrong-number calls, dropped calls, or voicemails without messages. When these calls are made to a cell phone without consent, they may violate the TCPA.
Calls Outside Legal Hours
Enforcement actions have also alleged calls made before 8 a.m. and after 9 p.m., which violates federal law. When tied to automated dialing systems, call records can serve as key evidence in these cases.
Collecting Discharged Debts
There are documented instances where collection was attempted on debts already discharged in bankruptcy. Once discharged, all collection activity must stop, and continued contact may violate both bankruptcy law and the FDCPA.
International Findings
A 2012 Canadian investigation reported repeated contact with individuals who did not owe the debt, leading to regulatory penalties in multiple provinces. This suggests that the issues are tied to operational practices rather than a single jurisdiction.
What Are Your Rights When iQor / Allied Interstate Is Calling You?
Multiple federal and state laws protect you when dealing with iQor or Allied Interstate, and each provides specific rights depending on the situation.
- FDCPA (Federal Debt Collection Law): Under the FDCPA, they cannot call excessively, contact you outside 8 a.m. to 9 p.m., or continue calling after a written cease request. They must send written notice within 5 days of first contact and must stop collection if you dispute the debt in writing until verification is provided. They also cannot keep calling wrong numbers, pursue debts discharged in bankruptcy, contact your employer after being told not to, or threaten legal action they cannot take. Violations may allow recovery of statutory damages, actual damages, and attorney fees.
- TCPA (Phone Call Protections): The TCPA restricts automated or prerecorded calls to your cell phone without consent. This includes predictive dialer calls, which have been part of past enforcement actions. Wrong-number robocalls are also covered. Each unauthorized call or text can carry statutory damages, and consent can be revoked at any time.
- State Law Protections (California Example): State laws like the California Rosenthal Act expand on federal protections and apply to both original creditors and third-party collectors. These laws were part of major enforcement actions against Allied Interstate and can provide additional remedies beyond federal law.
- FCRA (Credit Reporting Law): The FCRA requires accurate reporting to credit bureaus. Collection accounts generally fall off after 7 years from the first delinquency. If information is incorrect, you have the right to dispute it, and both the collector and the credit bureaus must investigate within 30 days.
- Bankruptcy Protections: If you have filed for bankruptcy or received a discharge, collection calls may violate federal bankruptcy law. The automatic stay stops all collection during an active case, and the discharge injunction permanently prohibits collection on discharged debts. Violations can lead to court sanctions in addition to other legal claims.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing iQor debt collection 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 iQor. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
We have helped clients deal with iQor debt collection harassment for many days, providing ongoing support and assistance.
Call us at (877)700-5790 for immediate assistance.
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FAQs
Who is iQor and why are they contacting me about debt?
iQor is a business process outsourcing firm that provides third-party debt collection services, among other customer support functions. If they’re contacting you, they likely believe you owe money to a creditor who has hired them.
Is iQor a legitimate debt collection agency or a scam?
iQor is a legitimate, privately-held company headquartered in Florida, offering accounts receivable and collections services. However, legitimacy doesn’t prevent potential missteps, always verify the details of any debt with them in writing.
Can iQor legally harass me with constant calls or threats?
No. Under the FDCPA and similar laws, debt collectors—including iQor—cannot place repetitive calls, use abusive language, threaten violence, or mislead you.
What should I do if iQor keeps calling me day and night?
Document each call (date, time, content), request written validation of the debt, and send a cease-and-desist letter. If calls persist, file a complaint with the CFPB or FTC and consider consulting a consumer rights attorney.
Can I dispute or verify the debt they’re calling about?
Yes, within 30 days of their first contact, you can request written validation of the debt. They are legally required to provide it before continuing collection efforts.
Can iQor report me to credit bureaus or impact my credit score?
Yes, iQor can report delinquencies on behalf of a creditor, which may negatively affect your credit score. You can dispute any incorrect reporting with the credit bureaus.
I’ve never owed this money—can they still harass me?
Unfortunately, yes. Investigations have shown iQor has, at times, contacted people who did not owe money. If you’re being wrongly contacted, insist they cease communication and file complaints with regulatory bodies.
What legal recourse do I have if iQor is harassing me?
You may sue under the FDCPA, TCPA, or equivalent state laws for violations, harassment, unauthorized calls, wrongful credit reporting, and could recover statutory damages, actual damages, and attorney’s fees.
How do I make iQor stop contacting me entirely?
Send a written cease-and-desist letter asking them to stop contacting you, and request debt validation. If calls resume, escalate the issue by filing with the FTC, CFPB, or your state attorney general.
Has iQor ever been fined or sued for abusive collection tactics?
Yes, Allied Interstate (an iQor subsidiary) was fined $1.75 million by the FTC in 2010 for abusive practices. In Canada, iQor was also fined for contacting people who did not owe money.
