Tell us why here...We found one collection account on our system that was placed with our company for collections We examined the public bankruptcy information from the bankruptcy court of the Western District of Texas and noticed that Ms [redacted] did not include this debt in the Ch bankruptcy she filed Following federal law, a consumer is only granted bankruptcy protection on accounts that they put on their list of creditors so the debt is still legally owed We emailed (see the email below) this information to Ms [redacted] at the email address that she provided and advised that we would mark the account as "disputed" on her credit report and to call us if we can provide her with any further assistance.Email: [redacted] ,We received a complaint from the Revdex.com and although it took a while to locate an account under your name, I was able to find one for The Club at Stone Oak apartment We have investigated your bankruptcy and did not see where our company is listed under the list of creditors that is afforded bankruptcy protection Unfortunately, we cannot remove the balance due but I will mark your account as disputed for credit reporting purposes ---please see the list of creditors below that you filed in the Western District of Texas I do not show that we handle the Sure Deposit account—Hunter Warfield may handle this account They are a separate company from ours Please call or email me if you have any questions-- 210.822.8272.This is your list of creditors included in your Chbankruptcy—Western District of Texas:Label Matrix for local noticing U.SBANKRUPTCY COURT Allen Stein & Durbin PC0542-EHOUSTON STREET, ROOM PO Box 10157Case 15-50302-rbk SAN ANTONIO, TX 78205-San Antonio, TX 78210-0157Western District of TexasSan AntonioThu Mar 17:22:CST 2016Association Management Services Bexar County Tax Collector Broadway National BankNE Loop PO Box NE Loop 410Suite San Antonio, TX 78299-San Antonio, TX 78209-1585San Antonio, TX 78209-1613Capital One Cavalry Portfolio Service Citi MortgagePO Box Summit Lake Dr PO Box 6243Salt Lake City, UT 84130-Valhalla, NY 10595-Sioux Falls, SD 57117-6243Coal County Tax Collector County of Comal Credit Systems InternationalN Seguin c/o Lee Gordon Country Club LaneNew Braunfels, TX 78130-P.OBox Fort Worth, TX 76112-2304Round Rock, TX 78680-1269HSBC IQ Data Intl, Inc JC PenneyPO Box PO Box PO Box 965007Buffalo, NY 14240-Everett, WA 98213-Orlando, FL 32896-5007(p)NATIONSTAR MORTGAGE LLC Paramount Recover Systems (p)PORTFOLIO RECOVERY ASSOCIATES LLCPO BOX East Center St PO BOX 41067DALLAS TX 75261-Lorena, TX 76655-NORFOLK VA 23541-1067Regency at Lookout Canyon Santander Consumer USA SearsOverlook Parkway N Stemmons PO Box 6269San Antonio, TX 78260-Suite Sioux Falls, SD 57117Dallas, TX 75247-3822TNB Visa United States Attorney United States Trustee - SA12PO Box N.WLoop 410, Suite US Trustee’s OfficeMinneapolis, MN 55440-San Antonio, TX 78216-E Houston, Suite 533PO Box 1539San Antonio, TX 78295-1539Veriprise Processing Solutions Victoria’s Secret John Patrick LoweHwy Bypass PO Box North Getty StreetSuite Columbus, OH 43218-Uvalde, TX 78801-5204Lewisville, TX 75067-[redacted] E [redacted] Travis E [redacted] Walden Oak Walden OakSan Antonio, TX 78260-San Antonio, TX 78260-6007Eric AllenDirector of OperationsThe Phoenix Recovery [email protected]
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]
This was a credit reporting errorWe have processed a request for deletion to the credit bureausThis process will take to days to completeA letter will be emailed today to [redacted] at [redacted] to confirm this transactionFor further information call ###-###-#### EXT ***
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debtThey cannot validate this debt due to no signed contract with this businessThis debt needs to be removed from my credit file since they are unable to validate
Please provide your email address as we are prepared to send you a copy of your itemized statementWe will negotiate a settlement for the past due rent plus collection fees per contractAlso contact our floor supervisor [redacted] or email her at [redacted] as she is familiar with your accountThanks, [redacted]
In doing research on this account I noticed that Miss [redacted] made a payment in December We have been able to communicate with her by the email she provided through the Revdex.com systemA payment arrangement has been made and Miss [redacted] has agreed to make monthly payments until balance is paid in fullWhat we hope for is a working phone # as we have tried reaching her by phone and received no answerWe do thank Miss [redacted] for emailing us and confirming her commitment to PRGI can be reached at [redacted] Thank you [redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well... as the assertions alleged by Ms. [redacted] .
We show that we previously sent out validation of the debt in March of However, we will mail out another validation package to include the documents which support the debt Our company has also been credit reporting that the debt is "disputed to the credit bureaus The validation will be mailed out within hours
I have reviewed the file for Ms [redacted] ***My findings show that there was a gap of employment & [redacted] found her new place of employment contact informationHe did leave his contact information for Ms [redacted] with her new employer & they finally spoke, she asked him to call her after workWe don't have a good contact # for her to call her at homeI would be more than happy to assist her with a resolution on her accountI am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted] In the mean time I have designated on her account as " do not call at place of employment " ( [redacted] ) [redacted] is no longer handling Ms***'s accountPlease have her call me for a good contact # Thank you [redacted]
This account has been coded as disputedThe client has revised their last statement of deposit as they removed two months rent of the accelerated rentThey have also sent in all the payment receipts and all the other docs in their fileWe are turning over all the docs that Mr [redacted] has sent in for validation, police report, drivers license with the [redacted] ** address which is the same as the former address on the application at [redacted] to the officer # [redacted] at unit # [redacted] for further investigation until we we hear from the police identity theft fraud department at [redacted] *** PRG will continue to credit report until we receive clear evidence of identity theftPlease contact PRG at ###-###-#### or at ###-###-#### to discuss the changes with the removal of accelerated rent
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]
Our company did receive this dispute on 12/28/16 and on that day following an investigation of the debt which showed everything to be in order, we mailed out validation. We mailed out our company validation letter, a copy of the signed underlying contract, and a copy of the charges to... the address notated on this complaint. We will mail this information again and Ms. [redacted] can call our offices and ask for me if she should have any questions regarding the matter. Thank you--- [redacted]
Complaint: [redacted] I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek. Regards, [redacted]
Ms [redacted] please forward over the copy of police report and your drivers license or a form of ID with the signature partWe will compare signatures and if they don't match with the document signature we have on file we will delete the account from our database and from the credit bureau filesThe account has already been coded as "Disputed by Consumer"If you have further questions please contact me at [redacted] Sincerely, [redacted]
Spoke to the manager at the apts today and she does not have a copy of this move out letter that the individual attached. In fact if he had submitted a notice it would have her signature/initials to acknowledge his request to vacate. The manager validated that he skipped without notice & all fees stated on the last statement of deposit are correct. Mr [redacted] needs to call [redacted] to work out a payment plan at ###-###-####.
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I never entered into a legal binding agreement with this company and only found out about them when I checked my annual credit reportThey still haven't validated the account showing a contract between myself and Phoenix Recovery GroupJust because they have a contract with the original creditor doesn't mean that I owe the debt
We received the written dispute on 12/28/16. Our company responded the same day by both sending out documentation to validate the debt plus completing an investigation of the debt which showed the balance to be correct. The response was within hours which satisfies state regulation for debt disputes
We have made adjustments and lowered the balance due according to what our client is due. I have attached a copy of the charges. We will report the new lowered amount for credit reporting purposes. Thank you
We are deleting this account as the client does not have documents to to review the disputed itemsAn email will be sent to Miss *** *** confirming the deletion request to the major credit bureausFor further inquiries please call ###-###-#### Ext ***
PRG takes identity theft very seriously. As this debt was paid in full recently and as the consumer sent in a dispute without mentioning fraud, we are currently in the process of investigating the matter. If our compliance department determines that there is bona-fide fraud then the
consumer's credit will be restored and the account will be marked and updated as suchFor now, the account has been marked as possible fraud and has been removed from active collections
Tell us why here...We found one collection account on our system that was placed with our company for collections We examined the public bankruptcy information from the bankruptcy court of the Western District of Texas and noticed that Ms [redacted] did not include this debt in the Ch bankruptcy she filed Following federal law, a consumer is only granted bankruptcy protection on accounts that they put on their list of creditors so the debt is still legally owed We emailed (see the email below) this information to Ms [redacted] at the email address that she provided and advised that we would mark the account as "disputed" on her credit report and to call us if we can provide her with any further assistance.Email: [redacted] ,We received a complaint from the Revdex.com and although it took a while to locate an account under your name, I was able to find one for The Club at Stone Oak apartment We have investigated your bankruptcy and did not see where our company is listed under the list of creditors that is afforded bankruptcy protection Unfortunately, we cannot remove the balance due but I will mark your account as disputed for credit reporting purposes ---please see the list of creditors below that you filed in the Western District of Texas I do not show that we handle the Sure Deposit account—Hunter Warfield may handle this account They are a separate company from ours Please call or email me if you have any questions-- 210.822.8272.This is your list of creditors included in your Chbankruptcy—Western District of Texas:Label Matrix for local noticing U.SBANKRUPTCY COURT Allen Stein & Durbin PC0542-EHOUSTON STREET, ROOM PO Box 10157Case 15-50302-rbk SAN ANTONIO, TX 78205-San Antonio, TX 78210-0157Western District of TexasSan AntonioThu Mar 17:22:CST 2016Association Management Services Bexar County Tax Collector Broadway National BankNE Loop PO Box NE Loop 410Suite San Antonio, TX 78299-San Antonio, TX 78209-1585San Antonio, TX 78209-1613Capital One Cavalry Portfolio Service Citi MortgagePO Box Summit Lake Dr PO Box 6243Salt Lake City, UT 84130-Valhalla, NY 10595-Sioux Falls, SD 57117-6243Coal County Tax Collector County of Comal Credit Systems InternationalN Seguin c/o Lee Gordon Country Club LaneNew Braunfels, TX 78130-P.OBox Fort Worth, TX 76112-2304Round Rock, TX 78680-1269HSBC IQ Data Intl, Inc JC PenneyPO Box PO Box PO Box 965007Buffalo, NY 14240-Everett, WA 98213-Orlando, FL 32896-5007(p)NATIONSTAR MORTGAGE LLC Paramount Recover Systems (p)PORTFOLIO RECOVERY ASSOCIATES LLCPO BOX East Center St PO BOX 41067DALLAS TX 75261-Lorena, TX 76655-NORFOLK VA 23541-1067Regency at Lookout Canyon Santander Consumer USA SearsOverlook Parkway N Stemmons PO Box 6269San Antonio, TX 78260-Suite Sioux Falls, SD 57117Dallas, TX 75247-3822TNB Visa United States Attorney United States Trustee - SA12PO Box N.WLoop 410, Suite US Trustee’s OfficeMinneapolis, MN 55440-San Antonio, TX 78216-E Houston, Suite 533PO Box 1539San Antonio, TX 78295-1539Veriprise Processing Solutions Victoria’s Secret John Patrick LoweHwy Bypass PO Box North Getty StreetSuite Columbus, OH 43218-Uvalde, TX 78801-5204Lewisville, TX 75067-[redacted] E [redacted] Travis E [redacted] Walden Oak Walden OakSan Antonio, TX 78260-San Antonio, TX 78260-6007Eric AllenDirector of OperationsThe Phoenix Recovery [email protected]
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]
This was a credit reporting errorWe have processed a request for deletion to the credit bureausThis process will take to days to completeA letter will be emailed today to [redacted] at [redacted] to confirm this transactionFor further information call ###-###-#### EXT ***
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debtThey cannot validate this debt due to no signed contract with this businessThis debt needs to be removed from my credit file since they are unable to validate
Please provide your email address as we are prepared to send you a copy of your itemized statementWe will negotiate a settlement for the past due rent plus collection fees per contractAlso contact our floor supervisor [redacted] or email her at [redacted] as she is familiar with your accountThanks, [redacted]
In doing research on this account I noticed that Miss [redacted] made a payment in December We have been able to communicate with her by the email she provided through the Revdex.com systemA payment arrangement has been made and Miss [redacted] has agreed to make monthly payments until balance is paid in fullWhat we hope for is a working phone # as we have tried reaching her by phone and received no answerWe do thank Miss [redacted] for emailing us and confirming her commitment to PRGI can be reached at [redacted] Thank you [redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well... as the assertions alleged by Ms. [redacted] .
We show that we previously sent out validation of the debt in March of However, we will mail out another validation package to include the documents which support the debt Our company has also been credit reporting that the debt is "disputed to the credit bureaus The validation will be mailed out within hours
I have reviewed the file for Ms [redacted] ***My findings show that there was a gap of employment & [redacted] found her new place of employment contact informationHe did leave his contact information for Ms [redacted] with her new employer & they finally spoke, she asked him to call her after workWe don't have a good contact # for her to call her at homeI would be more than happy to assist her with a resolution on her accountI am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted] In the mean time I have designated on her account as " do not call at place of employment " ( [redacted] ) [redacted] is no longer handling Ms***'s accountPlease have her call me for a good contact # Thank you [redacted]
This account has been coded as disputedThe client has revised their last statement of deposit as they removed two months rent of the accelerated rentThey have also sent in all the payment receipts and all the other docs in their fileWe are turning over all the docs that Mr [redacted] has sent in for validation, police report, drivers license with the [redacted] ** address which is the same as the former address on the application at [redacted] to the officer # [redacted] at unit # [redacted] for further investigation until we we hear from the police identity theft fraud department at [redacted] *** PRG will continue to credit report until we receive clear evidence of identity theftPlease contact PRG at ###-###-#### or at ###-###-#### to discuss the changes with the removal of accelerated rent
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]
Our company did receive this dispute on 12/28/16 and on that day following an investigation of the debt which showed everything to be in order, we mailed out validation. We mailed out our company validation letter, a copy of the signed underlying contract, and a copy of the charges to... the address notated on this complaint. We will mail this information again and Ms. [redacted] can call our offices and ask for me if she should have any questions regarding the matter. Thank you--- [redacted]
Complaint: [redacted] I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek. Regards, [redacted]
Ms [redacted] please forward over the copy of police report and your drivers license or a form of ID with the signature partWe will compare signatures and if they don't match with the document signature we have on file we will delete the account from our database and from the credit bureau filesThe account has already been coded as "Disputed by Consumer"If you have further questions please contact me at [redacted] Sincerely, [redacted]
Spoke to the manager at the apts today and she does not have a copy of this move out letter that the individual attached. In fact if he had submitted a notice it would have her signature/initials to acknowledge his request to vacate. The manager validated that he skipped without notice & all fees stated on the last statement of deposit are correct. Mr [redacted] needs to call [redacted] to work out a payment plan at ###-###-####.
Complaint: [redacted] I am rejecting this response because: Regards, [redacted] I never entered into a legal binding agreement with this company and only found out about them when I checked my annual credit reportThey still haven't validated the account showing a contract between myself and Phoenix Recovery GroupJust because they have a contract with the original creditor doesn't mean that I owe the debt
We received the written dispute on 12/28/16. Our company responded the same day by both sending out documentation to validate the debt plus completing an investigation of the debt which showed the balance to be correct. The response was within hours which satisfies state regulation for debt disputes
We have made adjustments and lowered the balance due according to what our client is due. I have attached a copy of the charges. We will report the new lowered amount for credit reporting purposes. Thank you
We are deleting this account as the client does not have documents to to review the disputed itemsAn email will be sent to Miss *** *** confirming the deletion request to the major credit bureausFor further inquiries please call ###-###-#### Ext ***
PRG takes identity theft very seriously. As this debt was paid in full recently and as the consumer sent in a dispute without mentioning fraud, we are currently in the process of investigating the matter. If our compliance department determines that there is bona-fide fraud then the
consumer's credit will be restored and the account will be marked and updated as suchFor now, the account has been marked as possible fraud and has been removed from active collections