Complaint: [redacted] I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: I already provided all of the documents you are referencingPlease contact your colleagues - REF ID # [redacted] Again, I have been through all of this three separate times with three different phoenix group employees - " [redacted] " originally contacted me to collect the debtThis is when I first found out I was an ID theft victimAfter a couple weeks of correspondence - he said that the debt would not be turned into the collection agencyAfter I found out that it was still turned in without contacting me, I called the phoenix group and spoke with "Ms [redacted] " said [redacted] was fired and then asked for the documents you are referencingI sent them in, still nothingCalled back and spoke with " [redacted] ***" who said the Ms [redacted] never received themIO forwarded the email to him where I sent the documents and he said that he notified Ms [redacted] that she did receive themSince then - they have both told me to pretty much go away with it and it is not coming offI understand that it is not the phoenix groups fault that they received this collection - it is your fault for lying to me and not correcting an obvious case of id theft Regards, [redacted]
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validatedThe balance submitted to our collection agency by our client There is an administrative collection agency fee that is added to your balance for which brings your balance credit reported for total collections as The fees listed from our client has been already sent to you however are for cleaning, carpet damage, rent/October/November,They applied security deposit and balance owing is This account has been reported accurately as disputed by consumer All credit bureaus reporting same balance.We did check with our compliance department and licensing is not required because we don't actively pursue collections in the state of FloridaSo we are exemptWe consider this consumer dispute as frivolousMiss [redacted] has disputed this account various ways via through the credit bureaus and through our agency over timesWe hope that she can call and we will work with her to come up with a payment arrangement that will work for herI can be reached at [redacted] Sincerely, [redacted]
Complaint: [redacted] I am rejecting this response because: I am well aware we did not include this in bankruptcy, because we dont owe the apsrtments any moneyIt is a claimMy credit report does nit show phoenix listed in any bankruptcy, it shows it under COLLECTIONS...IN THE REMARKS UNDER THE COLLECTION ACCOUNT IS STATES: filed BANKRUPTCY..A collection account not included in any bankruptcy shouldnt be commenting on anything else in a credit report thst has nothing to do with who you are collecting forKind of like you posting my file in a response Dont you think I know what was included? And if this was an accurate debt to an apartment I would have included it Regards, [redacted]
We have mailed all the docs as Miss [redacted] requested that PRG communicate with her only by written letterThis request came through on 7-24-and we validated that this debt belongs to Miss [redacted] , coded the account as disputedWe do not have a court order that provides proof that her ex husband is the responsible partyWe can resubmit signed lease & other docs via email to her at [redacted] otherwise this debt has been validatedShe can reach us to discuss payment arrangements at ###-###-####
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit applicationOur company is bonded and registered as a 3rd party collection agency in the State of TexasWe also have a signed service contract between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reportingThis type of mutual business and legal relationship is permissible under both federal and state rules and is a commonplace arrangement in the 3rd party collection industryAs such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaintWe have provided to Ms [redacted] validation of this debt as required by federal law and have informed the credit bureaus that this debt is "disputed by consumer" for credit reporting purposesWe are willing to work with Ms [redacted] to resolve this debt on behalf of the client possibly be able to offer a discount and/or settlement of the original balance dueOur office # is ###-###-#### or you can email [redacted]
The first contact we had with the consumer was September 18th, and the conusmer stated he co-signed for his daughter [redacted] it was explained to the consumer he signed the lease as the primary renter, a request for the lease contract and billing statement was emailed to the consumer on that date On September 19th, our client called us to inform us that the consumer's daughter had made payment arrangements on the broken lease and when she defaulted, the consumer was sent to collections The consumer disputed the debt on October 31, and the contract and the billing statement was mailed to the consumer, in the letter that was sent to us we were asked to cease and desist and we stopped communications with the consumer The consumer contacted our office on July 31, to claim stolen identity, the consumer would not verify his identity thus the consumer was told to provide a police report, picture id, and a written statement claiming that this was not him, the consumer terminated the call Until we receive those three items which we need to start a fraud investigation this debt is valid because the signatures we have match and the consumer stated he was the co-signer from day one of contact
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to meA contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPAThere is no legal binding contract with the Phoenix Recovery Group and myselfThis debt needs to be removed from my credit report
PRG is a legal agent of the original client and as such we can act on their behalf for purposes of collections, credit reporting, and other pertinent purposes to resolving the charged off debt This mutual relationship is commonplace in the collections industry and is granted further by our bonding and registration as a third party collection agency in the State of Texas Please email [redacted] directly at [redacted] to resolve or if there are further questions regarding this matterWe have also emailed you the copies of the contracts you requested
Ms***, We have thoroughly reviewed your collection account that was placed with our agency This account is in regards to an unpaid collection account from [redacted] We show there to be an unpaid balance in the amount of $due We did research your question concerning the change in balance and showed that we recently lowered your balance due by $which was the result of reducing the interest accrual on your account The balance due can change from month to month if interest charges accumulate as per the TAA lease contract that was utilized to rent the apartment The sooner we can resolve this debt the less possible accrual of interest occurs Our offices our open between 8-TUE & THUR, 8-on Friday, and 8-on MON & WED Please feel free to call us at ###-###-#### and we will be happy to go over these charges and possibly be able to offer you a discounted settlement off of the original balance to resolve the matter
Complaint: [redacted] I am rejecting this response because:As it stands, Phoenix Recovery Group has already violated state and federal rule for validation Any documentation they present at this point would be too little too late Under Texas rule they had days to provide the information They did not And there is no evidence they did I am respectfully requesting Phoenix Recovery Group do the right thing and request deletion of this account I am making every effort to resolve this matter without presenting this case before a courtroom jury in my community Regards, [redacted]
I have re-researched the documents emailed to [redacted] I will accept the military orders that you providedI further authorize removing charges for April and May's rent totaling as well as the unlawful move out charge of As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,for past due rent, late charges and cleaning feesIt would be in your best interest to pay this amount right away to avoid further interest being applied to the accountPlease call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance dueYou can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
Complaint: [redacted] I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZShe obviously no longer works there and the Reserves have new managementSo of course they are cluelessIt's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctlyI also provided these documents to [redacted] who works for PRG and asked that she send me debt validationIf I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRHI already advised if this isn't corrected that I will seek legal assistance and contact the FTC Regards, [redacted]
The debt has never been paid and is over 1/years old It is due to fall off your credit report very shortly Our company feels it has complied with all FCRA, FDCPA, TCPA laws applicable and/or related to validation Our client will be taking a $loss because of the unpaid debt We are still willing to work out a settlement and/or resolution to this matter Please call our offices to do so Thank you
Still waiting for it to be removed from my credit reportPlease do so re: contacting police departmentsOnce you are able to re-re-re-re-confirm that this is identifty theft, please remove the file from my credit report and notify when this is completed.Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: once again, I have no contract directly with this businessI will, however, work directly with the original creditor for the original balance onlyPlease delete this off of my credit report Regards, [redacted]
The majority of the balance that Ms [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal settlement of the debt for less than the full balance Ms [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full Our telephone # is ###-###-####
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: I already provided all of the documents you are referencingPlease contact your colleagues - REF ID # [redacted] Again, I have been through all of this three separate times with three different phoenix group employees - " [redacted] " originally contacted me to collect the debtThis is when I first found out I was an ID theft victimAfter a couple weeks of correspondence - he said that the debt would not be turned into the collection agencyAfter I found out that it was still turned in without contacting me, I called the phoenix group and spoke with "Ms [redacted] " said [redacted] was fired and then asked for the documents you are referencingI sent them in, still nothingCalled back and spoke with " [redacted] ***" who said the Ms [redacted] never received themIO forwarded the email to him where I sent the documents and he said that he notified Ms [redacted] that she did receive themSince then - they have both told me to pretty much go away with it and it is not coming offI understand that it is not the phoenix groups fault that they received this collection - it is your fault for lying to me and not correcting an obvious case of id theft Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: Please see attachedRegards, [redacted]
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validatedThe balance submitted to our collection agency by our client There is an administrative collection agency fee that is added to your balance for which brings your balance credit reported for total collections as The fees listed from our client has been already sent to you however are for cleaning, carpet damage, rent/October/November,They applied security deposit and balance owing is This account has been reported accurately as disputed by consumer All credit bureaus reporting same balance.We did check with our compliance department and licensing is not required because we don't actively pursue collections in the state of FloridaSo we are exemptWe consider this consumer dispute as frivolousMiss [redacted] has disputed this account various ways via through the credit bureaus and through our agency over timesWe hope that she can call and we will work with her to come up with a payment arrangement that will work for herI can be reached at [redacted] Sincerely, [redacted]
Complaint: [redacted] I am rejecting this response because: I am well aware we did not include this in bankruptcy, because we dont owe the apsrtments any moneyIt is a claimMy credit report does nit show phoenix listed in any bankruptcy, it shows it under COLLECTIONS...IN THE REMARKS UNDER THE COLLECTION ACCOUNT IS STATES: filed BANKRUPTCY..A collection account not included in any bankruptcy shouldnt be commenting on anything else in a credit report thst has nothing to do with who you are collecting forKind of like you posting my file in a response Dont you think I know what was included? And if this was an accurate debt to an apartment I would have included it Regards, [redacted]
We have mailed all the docs as Miss [redacted] requested that PRG communicate with her only by written letterThis request came through on 7-24-and we validated that this debt belongs to Miss [redacted] , coded the account as disputedWe do not have a court order that provides proof that her ex husband is the responsible partyWe can resubmit signed lease & other docs via email to her at [redacted] otherwise this debt has been validatedShe can reach us to discuss payment arrangements at ###-###-####
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit applicationOur company is bonded and registered as a 3rd party collection agency in the State of TexasWe also have a signed service contract between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reportingThis type of mutual business and legal relationship is permissible under both federal and state rules and is a commonplace arrangement in the 3rd party collection industryAs such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaintWe have provided to Ms [redacted] validation of this debt as required by federal law and have informed the credit bureaus that this debt is "disputed by consumer" for credit reporting purposesWe are willing to work with Ms [redacted] to resolve this debt on behalf of the client possibly be able to offer a discount and/or settlement of the original balance dueOur office # is ###-###-#### or you can email [redacted]
The first contact we had with the consumer was September 18th, and the conusmer stated he co-signed for his daughter [redacted] it was explained to the consumer he signed the lease as the primary renter, a request for the lease contract and billing statement was emailed to the consumer on that date On September 19th, our client called us to inform us that the consumer's daughter had made payment arrangements on the broken lease and when she defaulted, the consumer was sent to collections The consumer disputed the debt on October 31, and the contract and the billing statement was mailed to the consumer, in the letter that was sent to us we were asked to cease and desist and we stopped communications with the consumer The consumer contacted our office on July 31, to claim stolen identity, the consumer would not verify his identity thus the consumer was told to provide a police report, picture id, and a written statement claiming that this was not him, the consumer terminated the call Until we receive those three items which we need to start a fraud investigation this debt is valid because the signatures we have match and the consumer stated he was the co-signer from day one of contact
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to meA contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPAThere is no legal binding contract with the Phoenix Recovery Group and myselfThis debt needs to be removed from my credit report
PRG is a legal agent of the original client and as such we can act on their behalf for purposes of collections, credit reporting, and other pertinent purposes to resolving the charged off debt This mutual relationship is commonplace in the collections industry and is granted further by our bonding and registration as a third party collection agency in the State of Texas Please email [redacted] directly at [redacted] to resolve or if there are further questions regarding this matterWe have also emailed you the copies of the contracts you requested
Ms***, We have thoroughly reviewed your collection account that was placed with our agency This account is in regards to an unpaid collection account from [redacted] We show there to be an unpaid balance in the amount of $due We did research your question concerning the change in balance and showed that we recently lowered your balance due by $which was the result of reducing the interest accrual on your account The balance due can change from month to month if interest charges accumulate as per the TAA lease contract that was utilized to rent the apartment The sooner we can resolve this debt the less possible accrual of interest occurs Our offices our open between 8-TUE & THUR, 8-on Friday, and 8-on MON & WED Please feel free to call us at ###-###-#### and we will be happy to go over these charges and possibly be able to offer you a discounted settlement off of the original balance to resolve the matter
Complaint: [redacted] I am rejecting this response because:As it stands, Phoenix Recovery Group has already violated state and federal rule for validation Any documentation they present at this point would be too little too late Under Texas rule they had days to provide the information They did not And there is no evidence they did I am respectfully requesting Phoenix Recovery Group do the right thing and request deletion of this account I am making every effort to resolve this matter without presenting this case before a courtroom jury in my community Regards, [redacted]
I have re-researched the documents emailed to [redacted] I will accept the military orders that you providedI further authorize removing charges for April and May's rent totaling as well as the unlawful move out charge of As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,for past due rent, late charges and cleaning feesIt would be in your best interest to pay this amount right away to avoid further interest being applied to the accountPlease call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance dueYou can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
Complaint: [redacted] I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZShe obviously no longer works there and the Reserves have new managementSo of course they are cluelessIt's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctlyI also provided these documents to [redacted] who works for PRG and asked that she send me debt validationIf I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRHI already advised if this isn't corrected that I will seek legal assistance and contact the FTC Regards, [redacted]
The debt has never been paid and is over 1/years old It is due to fall off your credit report very shortly Our company feels it has complied with all FCRA, FDCPA, TCPA laws applicable and/or related to validation Our client will be taking a $loss because of the unpaid debt We are still willing to work out a settlement and/or resolution to this matter Please call our offices to do so Thank you
Still waiting for it to be removed from my credit reportPlease do so re: contacting police departmentsOnce you are able to re-re-re-re-confirm that this is identifty theft, please remove the file from my credit report and notify when this is completed.Regards, [redacted]
Complaint: [redacted] I am rejecting this response because: once again, I have no contract directly with this businessI will, however, work directly with the original creditor for the original balance onlyPlease delete this off of my credit report Regards, [redacted]
The majority of the balance that Ms [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal settlement of the debt for less than the full balance Ms [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full Our telephone # is ###-###-####
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because:awaiting business response Regards, [redacted]