Ms. [redacted], 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 $2368 due. We did research your...
question concerning the change in balance and showed that we recently lowered your balance due by $1550 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 8-6 TUE & THUR, 8-5 on Friday, and 8-7 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: My social is a U.S. Legit social security number. My social was generated from the U.S. And not any other country so I don't know why that would even be brought on and used as their main point. So because I am Mexican and have [redacted] as a name it's ok that your company put something on my US social without even taking responsibility to even look into see why this happened? I've been in this country since I was 3 years old and I am now 32 and I am a hard working tax payer just like everyone else. I spoke to credit bureau and they told me to contact the company to have this removed and to make sure I get in writing or email. I understand your company is big and have many clients but maybe you shouldn't accept so many if your unable to perform or locate or even investigate why there's a collection from your company on an individual's credit report. I included a picture of my valid US social that didn't come from any other country and bc my name is [redacted]. Now I am sure if you ran my name just in the state of TX that there is probably going to be only me or maybe one more with that name. When credit is checked its not just ran by a first name only so for you to even imply that is from having a common name their or so many common names even with American born citizens like [redacted] or [redacted] and if you ran those names only I'm sure plenty would pop up as well. It's a shame that this complain can't even take the time and effort to one even speak to me and two look into why their company placed this on my report. It's not the credit bureaus fault, it's the company who reported an account that was opened due to collections (bc your a collection agency). If your company never created an account with my social for a collection due the credit burea would have never placed this on my report. I am may not be a citizen yet but I do finance just like Americans do with my social. I financed loans, cars, and purchased a home and I take pride in being responsible and on time with all my payments. So just because I'm an immigrant doesn't mean it's ok to say oh it's not a U.S. Social bc yes we survive and succeed in life the same way as Americans. And as for an excuse bc [redacted] is a common name? Not ok either bc ever race has common names. But every social has the correct name on the card and should be in your company's accounts since you created on with my number. Why did your company make an account of collections with my social with a common name or try to collect a debit without even being able to back that up with records in your system? How is it your company created an account of debit with a social but yet can't provide records in your system? I need yall to give me a good understanding besides my name [redacted] being common how it is your company placed a collection on my credit report but now unable to find anytime of data in your systems? Bc when I finance they pull me up correctly in their systems and they are all on my credit report as well. But on good terms of course. I'm sorry but I need a better answer bc I work hard and take care of my US social bc I am building my future for my wife and kids. Thanks for understanding my frustrations and concerns !
Regards,
[redacted]
Still waiting for it to be removed from my credit report. Please do so re: contacting police departments. Once 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]
Mr. [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. Thank you.
Complaint: 1[redacted]
I am rejecting this response because: Your company has reported invalidated information to the three major credit bureaus (Equifax, Experian, & Trans Union) and this action has constituted fraud under both Federal and State Laws. Due to this fact, there have been the negative marks on my credit reports by your company. I have requested in writing that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately. My request letter was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Please note that the police report on identity fraud was being mailed to you in the above mentioned request letter. The Federal Trade Commission (FTC) Identity Theft Report was also being sent to you. Hereby, I am requesting that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately.
Regards,
[redacted]
The debt has never been paid and is over 6 1/2 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 $2400 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.
Ms. [redacted]:Sorry to hear that you had a bad experience with our company. We will have our compliance team review the recorded call and make sure that proper collection protocol was utilized during your phone communication and if it was not we will handle the matter with our personnel...
internally. To protect the interest of our clients and at the advise of our legal counsel we do not provide "payment arrangement letters" just "settlement letters" or "zero balance letters." Our payment portal on our website www[redacted].com will provide a payment receipt for electronic payments that can be downloaded. Also, your credit card statement or paid check can act as a receipt of payment. Thank you for trying to resolve your debt with our company.
I have researched through our database and was unable to find an individual by the name of [redacted]. If there is another name that was used on the application for the [redacted] please submit the information so that we can locate file. I can be reached at ###-###-#### Ext [redacted].
Mr. [redacted] we totally understand your situation and as a former bank officer for a top 20 US bank and being in this business for 20 years dealing with the credit bureaus I am trying to tell you that it is the credit bureau(s) that has confused your social security # with someone with a similar name and you should direct your energy towards the credit bureau. Our company is not reporting your social security # which is why we don't have it in our system. You can call my directly and I will be happy to double check for you. Credit bureaus make similar name errors all the time believe me your situation is not unique. I strongly suggest that the fastest way to remedy this situation is by filing an online E-Oscar dispute. This is the same online dispute used by every consumer in the U.S. and is the dispute system that is used almost exclusively by all 3 major bureaus. A Revdex.com complaint will not help you correct your situation because our company can not remove a credit account based on a social security # that is not on our system. If you file an E- Oscar online dispute than we will inform the credit bureaus that you have no account with us and the collection item will be removed. However the bureaus are the only ones with the power to delete credit items.Please feel free to call me and I can perhaps help you further.Thank you,[redacted]COOThe Phoenix Recovery Group[redacted]
We have mailed all the docs as Miss [redacted] requested that PRG communicate with her only by written letter. This request came through on 7-24-2017 and we validated that this debt belongs to Miss [redacted], coded the account as disputed. We do not have a court order that provides proof that her...
ex husband is the responsible party. We can resubmit signed lease & other docs via email to her at [redacted] otherwise this debt has been validated. She can reach us to discuss payment arrangements at ###-###-####.
Complaint: [redacted]
I am rejecting this response because: I have contacted Me. White and never received any response other than we have 30 days. That was almost 2 years ago. Now that I have involved the Revdex.com they want to take action. They did not respond to me because the wanted to keep me on their rolls
Regards,
[redacted]
Ms. [redacted], 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 $2368 due. We did research your...
question concerning the change in balance and showed that we recently lowered your balance due by $1550 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 8-6 TUE & THUR, 8-5 on Friday, and 8-7 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: My social is a U.S. Legit social security number. My social was generated from the U.S. And not any other country so I don't know why that would even be brought on and used as their main point. So because I am Mexican and have [redacted] as a name it's ok that your company put something on my US social without even taking responsibility to even look into see why this happened? I've been in this country since I was 3 years old and I am now 32 and I am a hard working tax payer just like everyone else. I spoke to credit bureau and they told me to contact the company to have this removed and to make sure I get in writing or email. I understand your company is big and have many clients but maybe you shouldn't accept so many if your unable to perform or locate or even investigate why there's a collection from your company on an individual's credit report. I included a picture of my valid US social that didn't come from any other country and bc my name is [redacted]. Now I am sure if you ran my name just in the state of TX that there is probably going to be only me or maybe one more with that name. When credit is checked its not just ran by a first name only so for you to even imply that is from having a common name their or so many common names even with American born citizens like [redacted] or [redacted] and if you ran those names only I'm sure plenty would pop up as well. It's a shame that this complain can't even take the time and effort to one even speak to me and two look into why their company placed this on my report. It's not the credit bureaus fault, it's the company who reported an account that was opened due to collections (bc your a collection agency). If your company never created an account with my social for a collection due the credit burea would have never placed this on my report. I am may not be a citizen yet but I do finance just like Americans do with my social. I financed loans, cars, and purchased a home and I take pride in being responsible and on time with all my payments. So just because I'm an immigrant doesn't mean it's ok to say oh it's not a U.S. Social bc yes we survive and succeed in life the same way as Americans. And as for an excuse bc [redacted] is a common name? Not ok either bc ever race has common names. But every social has the correct name on the card and should be in your company's accounts since you created on with my number. Why did your company make an account of collections with my social with a common name or try to collect a debit without even being able to back that up with records in your system? How is it your company created an account of debit with a social but yet can't provide records in your system? I need yall to give me a good understanding besides my name [redacted] being common how it is your company placed a collection on my credit report but now unable to find anytime of data in your systems? Bc when I finance they pull me up correctly in their systems and they are all on my credit report as well. But on good terms of course. I'm sorry but I need a better answer bc I work hard and take care of my US social bc I am building my future for my wife and kids. Thanks for understanding my frustrations and concerns !
Regards,
[redacted]
Still waiting for it to be removed from my credit report. Please do so re: contacting police departments. Once 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]
Mr. [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. Thank you.
Complaint: 1[redacted]
I am rejecting this response because: Your company has reported invalidated information to the three major credit bureaus (Equifax, Experian, & Trans Union) and this action has constituted fraud under both Federal and State Laws. Due to this fact, there have been the negative marks on my credit reports by your company. I have requested in writing that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately. My request letter was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Please note that the police report on identity fraud was being mailed to you in the above mentioned request letter. The Federal Trade Commission (FTC) Identity Theft Report was also being sent to you. Hereby, I am requesting that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately.
Regards,
[redacted]
The debt has never been paid and is over 6 1/2 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 $2400 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.
Ms. [redacted]:Sorry to hear that you had a bad experience with our company. We will have our compliance team review the recorded call and make sure that proper collection protocol was utilized during your phone communication and if it was not we will handle the matter with our personnel...
internally. To protect the interest of our clients and at the advise of our legal counsel we do not provide "payment arrangement letters" just "settlement letters" or "zero balance letters." Our payment portal on our website www[redacted].com will provide a payment receipt for electronic payments that can be downloaded. Also, your credit card statement or paid check can act as a receipt of payment. Thank you for trying to resolve your debt with our company.
I am rejecting this response because:awaiting business response. Regards,[redacted]
I have researched through our database and was unable to find an individual by the name of [redacted]. If there is another name that was used on the application for the [redacted] please submit the information so that we can locate file. I can be reached at ###-###-#### Ext [redacted].
Mr. [redacted] we totally understand your situation and as a former bank officer for a top 20 US bank and being in this business for 20 years dealing with the credit bureaus I am trying to tell you that it is the credit bureau(s) that has confused your social security # with someone with a similar name and you should direct your energy towards the credit bureau. Our company is not reporting your social security # which is why we don't have it in our system. You can call my directly and I will be happy to double check for you. Credit bureaus make similar name errors all the time believe me your situation is not unique. I strongly suggest that the fastest way to remedy this situation is by filing an online E-Oscar dispute. This is the same online dispute used by every consumer in the U.S. and is the dispute system that is used almost exclusively by all 3 major bureaus. A Revdex.com complaint will not help you correct your situation because our company can not remove a credit account based on a social security # that is not on our system. If you file an E- Oscar online dispute than we will inform the credit bureaus that you have no account with us and the collection item will be removed. However the bureaus are the only ones with the power to delete credit items.Please feel free to call me and I can perhaps help you further.Thank you,[redacted]COOThe Phoenix Recovery Group[redacted]
We have mailed all the docs as Miss [redacted] requested that PRG communicate with her only by written letter. This request came through on 7-24-2017 and we validated that this debt belongs to Miss [redacted], coded the account as disputed. We do not have a court order that provides proof that her...
ex husband is the responsible party. We can resubmit signed lease & other docs via email to her at [redacted] otherwise this debt has been validated. She can reach us to discuss payment arrangements at ###-###-####.
Complaint: [redacted]
I am rejecting this response because: I have contacted Me. White and never received any response other than we have 30 days. That was almost 2 years ago. Now that I have involved the Revdex.com they want to take action. They did not respond to me because the wanted to keep me on their rolls
Regards,
[redacted]