Complaint: [redacted]
I am rejecting this response because:I was advised by a representative from your company that the collection account would be deleted from my credit reports once payment was received. The account needs to be deleted from my credit report.
Regards,
[redacted]
Our company operates as a 3rd party collection agency registered and bonded by the Comptroller of the State of Texas. As such, federal and state laws governing the 3rd party collections industry do not require that agencies possess actual credit contracts in their company name in order to be legally sanctioned to communicate with consumers to resolve their debt obligations. On this account our agency is a legal agent of the original creditor and as such is permitted by federal and state law to negotiate and communicate with consumers for the express purpose of collections. When credit reporting, our agency like most others, reports the details of the debt under our company name and lists the original creditor as part of the collections detail. We are able to collect and report in this manner as long as we have a binding service agreement with the original creditor and the creditor has a binding legal contract with the consumer. In this case we have spoken to the individual on several occasions about this collection with [redacted]. Please call [redacted] & she will be happy to assist [redacted].
Upon review of the file from our client for [redacted], she moved in on July 7, 2010 and moved out September 20, 2010. Her contract was in force until 6/30/2011. Much of her fees were due to accelerated rent and interest accumulation. I have adjusted her balance less the accelerated rent and...
waived the interest Her balance today is 3,440.58. Please have her call [redacted] at [redacted] or myself at [redacted]. We would like to discuss a payment plan that will work for Miss [redacted]. Thank you, [redacted]
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This 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 industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We 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 purposes. We 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 due. Our office # is ###-###-#### or you can email [redacted].
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This 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 industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We 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 purposes. We 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 due. Our office # is ###-###-#### or you can email [redacted].
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:
Regards,
[redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to me. A contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPA. There is no legal binding contract with the Phoenix Recovery Group and myself. This debt needs to be removed from my credit report
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validated. The balance submitted to our collection agency by our client 1203.00. There is an administrative collection agency fee that is added to your balance for 50.00 which brings your balance...
credit reported for total collections as 1203.00. 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 1153.00. This account has been reported accurately as disputed by consumer. All 3 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 Florida. So we are exempt. We consider this consumer dispute as frivolous. Miss [redacted] has disputed this account various ways via through the 3 credit bureaus and through our agency over 10 times. We hope that she can call and we will work with her to come up with a payment arrangement that will work for her. I can be reached at [redacted]. Sincerely, [redacted]
This account has been coded as disputed. The client has revised their last statement of deposit as they removed two months rent of the accelerated rent. They have also sent in all the payment receipts and all the other docs in their file. We 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 theft. Please contact PRG at ###-###-#### or at ###-###-#### to discuss the changes with the removal of accelerated rent.
Complaint: [redacted]
I am rejecting this response because: once again, I have no contract directly with this business. I will, however, work directly with the original creditor for the original balance only. Please delete this off of my credit report.
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]
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:the business has corresponded with me via internet with detailed information.
Regards,
[redacted]
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 matter. We have also emailed you the copies of the contracts you requested.
Complaint: [redacted]
I am rejecting this response because: Business still did not address the fact that there is no evidence to support their claim that they mailed a timely validation. Neither did they address the fact they never ceased collection at any time during the validation period.
Regards,
[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 money. It is a false claim. My 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 for. Kind 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]
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 30 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]
Complaint: [redacted]
I am rejecting this response because:I don't feel I'm responsible for any amount for the simple fact that I didn't live there. The manager was rude to start with and didn't tell me anything about moving in only stated I would lose my deposit which was 250 I believe. What is the 3,000 for?
Regards,
[redacted]
To Mr [redacted] there are other aka's associated with your name and one of them being [redacted]. We need the rest of the supporting ID fraud docs such as the extended fraud alert that you would have contacted the credit bureaus to immediately place to your credit report. A consumer statement explaining that you were the the victim of id fraud added to your credit report would be another form off proof/validation that your are the victim. In many cases individuals who have been victims of cc fraud or id fraud can request credit bureaus to freeze their file. The credit bureaus would give you a code so that you could further validate your case of id fraud. The realtor would not be able to view your credit report without the code the credit bureaus would have given you to view your credit reports. A police report was the first item needed however we do not see any other supporting docs that validate that your are the victim of cc & id fraud. Please email those docs to me as soon as possible. We must do our due diligence when validating id fraud. These docs should have been submitted shortly after you filed the police report to that police officer that wrote up your police report to further substantiate your ID fraud case.Also email me your last 4 #s of your ssn#. Thank you and you can email these docs to [redacted] & may reach me at ###-###-#### EXT [redacted].
Complaint: [redacted]
I am rejecting this response because:I was advised by a representative from your company that the collection account would be deleted from my credit reports once payment was received. The account needs to be deleted from my credit report.
Regards,
[redacted]
Our company operates as a 3rd party collection agency registered and bonded by the Comptroller of the State of Texas. As such, federal and state laws governing the 3rd party collections industry do not require that agencies possess actual credit contracts in their company name in order to be legally sanctioned to communicate with consumers to resolve their debt obligations. On this account our agency is a legal agent of the original creditor and as such is permitted by federal and state law to negotiate and communicate with consumers for the express purpose of collections. When credit reporting, our agency like most others, reports the details of the debt under our company name and lists the original creditor as part of the collections detail. We are able to collect and report in this manner as long as we have a binding service agreement with the original creditor and the creditor has a binding legal contract with the consumer. In this case we have spoken to the individual on several occasions about this collection with [redacted]. Please call [redacted] & she will be happy to assist [redacted].
Upon review of the file from our client for [redacted], she moved in on July 7, 2010 and moved out September 20, 2010. Her contract was in force until 6/30/2011. Much of her fees were due to accelerated rent and interest accumulation. I have adjusted her balance less the accelerated rent and...
waived the interest Her balance today is 3,440.58. Please have her call [redacted] at [redacted] or myself at [redacted]. We would like to discuss a payment plan that will work for Miss [redacted]. Thank you, [redacted]
Complaint: [redacted]
I am rejecting this response because:
Please see attached. Regards,
[redacted]
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This 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 industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We 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 purposes. We 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 due. Our office # is ###-###-#### or you can email [redacted].
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This 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 industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We 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 purposes. We 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 due. Our office # is ###-###-#### or you can email [redacted].
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:
Regards,
[redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to me. A contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPA. There is no legal binding contract with the Phoenix Recovery Group and myself. This debt needs to be removed from my credit report
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validated. The balance submitted to our collection agency by our client 1203.00. There is an administrative collection agency fee that is added to your balance for 50.00 which brings your balance...
credit reported for total collections as 1203.00. 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 1153.00. This account has been reported accurately as disputed by consumer. All 3 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 Florida. So we are exempt. We consider this consumer dispute as frivolous. Miss [redacted] has disputed this account various ways via through the 3 credit bureaus and through our agency over 10 times. We hope that she can call and we will work with her to come up with a payment arrangement that will work for her. I can be reached at [redacted]. Sincerely, [redacted]
This account has been coded as disputed. The client has revised their last statement of deposit as they removed two months rent of the accelerated rent. They have also sent in all the payment receipts and all the other docs in their file. We 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 theft. Please contact PRG at ###-###-#### or at ###-###-#### to discuss the changes with the removal of accelerated rent.
Complaint: [redacted]
I am rejecting this response because: once again, I have no contract directly with this business. I will, however, work directly with the original creditor for the original balance only. Please delete this off of my credit report.
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]
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:the business has corresponded with me via internet with detailed information.
Regards,
[redacted]
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 matter. We have also emailed you the copies of the contracts you requested.
Complaint: [redacted]
I am rejecting this response because: Business still did not address the fact that there is no evidence to support their claim that they mailed a timely validation. Neither did they address the fact they never ceased collection at any time during the validation period.
Regards,
[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 money. It is a false claim. My 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 for. Kind 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]
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 30 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]
Complaint: [redacted]
I am rejecting this response because:I don't feel I'm responsible for any amount for the simple fact that I didn't live there. The manager was rude to start with and didn't tell me anything about moving in only stated I would lose my deposit which was 250 I believe. What is the 3,000 for?
Regards,
[redacted]
To Mr [redacted] there are other aka's associated with your name and one of them being [redacted]. We need the rest of the supporting ID fraud docs such as the extended fraud alert that you would have contacted the credit bureaus to immediately place to your credit report. A consumer statement explaining that you were the the victim of id fraud added to your credit report would be another form off proof/validation that your are the victim. In many cases individuals who have been victims of cc fraud or id fraud can request credit bureaus to freeze their file. The credit bureaus would give you a code so that you could further validate your case of id fraud. The realtor would not be able to view your credit report without the code the credit bureaus would have given you to view your credit reports. A police report was the first item needed however we do not see any other supporting docs that validate that your are the victim of cc & id fraud. Please email those docs to me as soon as possible. We must do our due diligence when validating id fraud. These docs should have been submitted shortly after you filed the police report to that police officer that wrote up your police report to further substantiate your ID fraud case.Also email me your last 4 #s of your ssn#. Thank you and you can email these docs to [redacted] & may reach me at ###-###-#### EXT [redacted].