Thank you, I have sent the account to the Chief Operations Officer to review the calls. I have also requested more information be sent from the client for the consumer's review.The COO has attempted to discuss with the consumer but I do not believe he has been able to speak with them...
yet. The account will remain in a dispute hold at this time with no further communication from this agency.We appreciate the feedback.Kimberly [redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[This does not solve the problem of Phoenix Financial reporting this to the credit bureaus. I am still waiting for this to be completed, and a letter to be mailed to my address. Thanks]
Regards,
[redacted]
We have spoken to Mr. [redacted] previously. A member of our management team acknowledged that we were speaking to the wrong [redacted], and informed him that we would remove the incorrect information. We have done so. This should be considered our statement in writing, stating that...
Mr. [redacted] was the incorrect party in this matter and was contacted in error. He has verified his information with us and it does not match our account. We will not seek further communication with Mr. [redacted].
I do show a letter was requested to be mailed to the consumer on 9/4/15 at her request. Per the consumer's request, we have placed in a cease communication status and have added the phone number on file to the never call database in our system. There will be no further calls on this...
Thank you for your response. The creditor has verified the account as active and valid with supporting documentation sent to the consumer validating the services rendered. The accounts have also been previously removed by the credit bureaus due to a dispute filed directly with them, which was the action requested. The account is currently in a cease communication status with this agency. Please advise the further action being requested at this time, as it is unclear in the rejection. Kimberly E[redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me. As long as it does get deleted from my credit report.
Regards,
[redacted]
Thank you for your inquiry. We did call and speak with the consumer regarding the account. She advised that she had [redacted] coverage for the account. We have not yet received the notification of eligibility paperwork from the consumer, so the account has been placed on hold and...
marked for credit report deletion with all three bureaus. The deletion confirmation is [redacted]. The consumer may email the notification of [redacted] eligibility to [email protected]. Once received, the account will be able to be closed entirely. There will be no further communications from this office for this account.Thank you,Kimberly E[redacted]Phoenix Financial Services LLC
Consumer has claimed a reappearance of credit report remarks that were once removed. We show no instance of this on our end. We are requesting this matter be closed due to no credit reporting on our end, and this dispute being a duplicate of the previous dispute. Please see our...
Please find our response attached.Thank you,Kimberly E[redacted]Phoenix Financial Services LLCFrom: Kimberly E[redacted] Sent: Monday, November 21, 2016 6:38 PMTo: [redacted]Subject: [redacted] Complaint [redacted],I clicked submit on this one without attaching our response. Can you release back to...
us to attach it?Just an FYI on this one – we spoke with her and setup a payment plan then emailed a confirmation. She called a couplemonths later stating it was someone pretending to be her and she never spoke with us. She said the email address wasnot hers and it was identity theft.The email address given at the time was the same one listed on this complaint. The address and phone spoke to her atis the same as on this complaint. We also compared the recordings and it was the same person’s voice all times.Then, she called Chad back the same day as we received this complaint asking if she decided to pay it anyways howmuch more of a discount could she get since it was ID theft and not hers… He told her we could not reduce it more anddid not want to collect if it was not her account.Thanks,Kimberly E[redacted] | CCOT: 317-957-4880 | M: 317-750-1274E: ke[redacted]@phoenixfinancialsvcs.comW: www.phoenixfinancialsvcs.comThe company accepts no liability for the content of this email, or for the consequences of any actions taken on the basis of the information provided, unless that information issubsequently confirmed in writing. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of thisinformation is strictly prohibited.
Thank you,I have reviewed the emails and account. A statement was requested via email in June. The statement was sent on 6/24/15 by mail; another was requested in July and was sent by email on 7/22/15. We also do not show a request for monthly statements. Monthly...
statements are automatically sent when a secured payment arrangement has been setup. We do show one payment made 7/31/15 , but we do not show additional payments made or an arrangement set up. If there are additional payments, please send a copy so that we may research. I will also have our COO call to discuss payment and credit reporting options.Kimberly [redacted]Phoenix Financial Services LLC
Thank you, I am not clear from the notes who was to send the EOB to us. However, the resolution is that the dispute has been sent to both the client and the physician office that bills and applies payments to decide whether to pull the account or apply an adjustment, etc. This has already been completed, we are just waiting on their determination as to how the account should be handled. You will be notified of their resolution promptly once received. Kimberly E[redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. As long as the information I requested is provided in a timely manner. Once that happens I will consider the matter closed.
Regards,
[redacted]
LLCOctober 13, 2016 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Ms. [redacted], Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 4, 2016. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer requests the account be written off due to timely insurance filing. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. ? I also spoke with the Client regarding information in their internal files. Upon conclusion of my internal investigation, I determined the following: ? The Client has authorized us to close the account in our system and return to them. A confirmation letter has been requested advising the Consumer of this closure. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-6567 if I can be of further assistance. Calls may be monitored or recorded for quality and compliance purposes. Federal law requires me to inform you that this communication is from a debt collector. This communication is being sent as a response to a dispute only and is not an attempt to collect a debt. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I never received that document and not sure why they are refusing to delete this account. I will file a complaint with the CFPB.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed ap[ Hello I have requested Phoenix Financial...
Services to provide validation of this debt and have failed to respond and provide such documents in accordance with Fair Debt Collection Practices Act (FDCPA). I have attached a statement that Phoenix Financial Services dated March 2, 2017 of a balance I owe with a discounted settlement but have failed to provide such documents to validate this debt to me. This debt doesn't belong to me and under the FDCPA, Phoenix Financial Services had failed to provide documents and I am requesting they remove this collection to all 3 credit reporting agencies (TransUnion, Experian, Equifax) I have attached the document I received from Phoenix Financial Services dated after I made this complaint. Thank you]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
This account was deleted from my credit report with another collection agency, Phoenix did buy this debt as the original creditor sold to them. Medical information is protected under the HIPPA law, how are you able to verify when you do not have the right to medical records. Also the debt is not [redacted] DEBT Delete from my report or I will be contacting my lawyer!! This hindered my closing date for my home that I worked hard to get. YOU ARE IN VIOLATION!!!
Regards,
[redacted]
ATTACHEDJune 27, 2017 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on June 21, 2017. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer states they are not responsible for this debt. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? Our initial letter which contained all required disclosures and validation was sent to the consumer on 5/3/2017. It was mailed to the consumer’s verified address. ? I have ordered a verification of debt for this account from the creditor. It will be mailed to the consumer once it is received. ? If the consumer would like to submit proof to support their claims, it can be sent to [email protected]. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je[redacted]@phoenixfinancialsvcs.com if I can be of further assistance. Federal law requires me to inform you that this communication is from a debt collector. Sincerely, Justin E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
This is the first correspondence we have received from this consumer; however, we are a third-party agency and have only had the account since September 2015. We have already requested deletion of the credit reporting due to a dispute filed directly with the credit bureaus on...
1/8/15. I sent the complaint to the creditor to review for prior agency disputes or requests.
In response to this complaint, I have requested a statement be sent from the creditor for the consumer's review. I have also placed the account in a cease communication status with no further communications from this agency.
Kimberly [redacted]
Phoenix Financial Services LLC
March 27, 2017 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on March 24, 2017. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer states requests for a letter showing that this account is paid in full have been ignored. ? The consumer states she was offered settlement terms instead of a zero-balance letter. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. ? I reviewed the call recordings for this account. Upon conclusion of my internal investigation, I determined the following: ? A previous zero balance letter was sent to consumer on 3/9/2017, to the address that consumer has verified is correct. ? Another zero-balance letter has been requested, and will be sent to the same verified address. ? Consumer has been notified that the letter will be mailed in an envelope that will contain our mailing address only, as we are required to not include our company name on mailed communication. ? Per call recordings, no request for letters was denied, and the representative explained that a further request would be made. ? No payment terms were discussed with consumer past the original conversation which lead to payment of the account. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je[redacted]@phoenixfinancialsvcs.com if I can be of further assistance. Federal law requires me to inform you that this communication is from a debt collector. Sincerely, Justin E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
The verification of debt was received from the creditor on 8/7/2017. It was mailed to the consumer on that same date. It was mailed to the address that consumer has provided. Information has been provided to the creditor and this account has been determined eligible to remain open in our offices. We look forward to communicating with consumer in an effort to reach resolution on this account.
Thank you, I have sent the account to the Chief Operations Officer to review the calls. I have also requested more information be sent from the client for the consumer's review.The COO has attempted to discuss with the consumer but I do not believe he has been able to speak with them...
yet. The account will remain in a dispute hold at this time with no further communication from this agency.We appreciate the feedback.Kimberly [redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[This does not solve the problem of Phoenix Financial reporting this to the credit bureaus. I am still waiting for this to be completed, and a letter to be mailed to my address. Thanks]
Regards,
[redacted]
We have spoken to Mr. [redacted] previously. A member of our management team acknowledged that we were speaking to the wrong [redacted], and informed him that we would remove the incorrect information. We have done so. This should be considered our statement in writing, stating that...
Mr. [redacted] was the incorrect party in this matter and was contacted in error. He has verified his information with us and it does not match our account. We will not seek further communication with Mr. [redacted].
I do show a letter was requested to be mailed to the consumer on 9/4/15 at her request. Per the consumer's request, we have placed in a cease communication status and have added the phone number on file to the never call database in our system. There will be no further calls on this...
account.Kimberly [redacted]Phoenix Financial Services LLC
Thank you for your response. The creditor has verified the account as active and valid with supporting documentation sent to the consumer validating the services rendered. The accounts have also been previously removed by the credit bureaus due to a dispute filed directly with them, which was the action requested. The account is currently in a cease communication status with this agency. Please advise the further action being requested at this time, as it is unclear in the rejection. Kimberly E[redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this response/resolution is satisfactory to me. As long as it does get deleted from my credit report.
Regards,
[redacted]
Thank you for your inquiry. We did call and speak with the consumer regarding the account. She advised that she had [redacted] coverage for the account. We have not yet received the notification of eligibility paperwork from the consumer, so the account has been placed on hold and...
marked for credit report deletion with all three bureaus. The deletion confirmation is [redacted]. The consumer may email the notification of [redacted] eligibility to [email protected]. Once received, the account will be able to be closed entirely. There will be no further communications from this office for this account.Thank you,Kimberly E[redacted]Phoenix Financial Services LLC
Consumer has claimed a reappearance of credit report remarks that were once removed. We show no instance of this on our end. We are requesting this matter be closed due to no credit reporting on our end, and this dispute being a duplicate of the previous dispute. Please see our...
response attached. Thank you.
Please find our response attached.Thank you,Kimberly E[redacted]Phoenix Financial Services LLCFrom: Kimberly E[redacted] Sent: Monday, November 21, 2016 6:38 PMTo: [redacted]Subject: [redacted] Complaint [redacted],I clicked submit on this one without attaching our response. Can you release back to...
us to attach it?Just an FYI on this one – we spoke with her and setup a payment plan then emailed a confirmation. She called a couplemonths later stating it was someone pretending to be her and she never spoke with us. She said the email address wasnot hers and it was identity theft.The email address given at the time was the same one listed on this complaint. The address and phone spoke to her atis the same as on this complaint. We also compared the recordings and it was the same person’s voice all times.Then, she called Chad back the same day as we received this complaint asking if she decided to pay it anyways howmuch more of a discount could she get since it was ID theft and not hers… He told her we could not reduce it more anddid not want to collect if it was not her account.Thanks,Kimberly E[redacted] | CCOT: 317-957-4880 | M: 317-750-1274E: ke[redacted]@phoenixfinancialsvcs.comW: www.phoenixfinancialsvcs.comThe company accepts no liability for the content of this email, or for the consequences of any actions taken on the basis of the information provided, unless that information issubsequently confirmed in writing. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of thisinformation is strictly prohibited.
Thank you,I have reviewed the emails and account. A statement was requested via email in June. The statement was sent on 6/24/15 by mail; another was requested in July and was sent by email on 7/22/15. We also do not show a request for monthly statements. Monthly...
statements are automatically sent when a secured payment arrangement has been setup. We do show one payment made 7/31/15 , but we do not show additional payments made or an arrangement set up. If there are additional payments, please send a copy so that we may research. I will also have our COO call to discuss payment and credit reporting options.Kimberly [redacted]Phoenix Financial Services LLC
Thank you, I am not clear from the notes who was to send the EOB to us. However, the resolution is that the dispute has been sent to both the client and the physician office that bills and applies payments to decide whether to pull the account or apply an adjustment, etc. This has already been completed, we are just waiting on their determination as to how the account should be handled. You will be notified of their resolution promptly once received. Kimberly E[redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. As long as the information I requested is provided in a timely manner. Once that happens I will consider the matter closed.
Regards,
[redacted]
Please find our response attached.Kimberly E[redacted]Phoenix Financial Services...
LLCOctober 13, 2016 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Ms. [redacted], Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 4, 2016. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer requests the account be written off due to timely insurance filing. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. ? I also spoke with the Client regarding information in their internal files. Upon conclusion of my internal investigation, I determined the following: ? The Client has authorized us to close the account in our system and return to them. A confirmation letter has been requested advising the Consumer of this closure. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-6567 if I can be of further assistance. Calls may be monitored or recorded for quality and compliance purposes. Federal law requires me to inform you that this communication is from a debt collector. This communication is being sent as a response to a dispute only and is not an attempt to collect a debt. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I never received that document and not sure why they are refusing to delete this account. I will file a complaint with the CFPB.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed ap[ Hello I have requested Phoenix Financial...
Services to provide validation of this debt and have failed to respond and provide such documents in accordance with Fair Debt Collection Practices Act (FDCPA). I have attached a statement that Phoenix Financial Services dated March 2, 2017 of a balance I owe with a discounted settlement but have failed to provide such documents to validate this debt to me. This debt doesn't belong to me and under the FDCPA, Phoenix Financial Services had failed to provide documents and I am requesting they remove this collection to all 3 credit reporting agencies (TransUnion, Experian, Equifax) I have attached the document I received from Phoenix Financial Services dated after I made this complaint. Thank you]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
This account was deleted from my credit report with another collection agency, Phoenix did buy this debt as the original creditor sold to them. Medical information is protected under the HIPPA law, how are you able to verify when you do not have the right to medical records. Also the debt is not [redacted] DEBT Delete from my report or I will be contacting my lawyer!! This hindered my closing date for my home that I worked hard to get. YOU ARE IN VIOLATION!!!
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDJune 27, 2017 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on June 21, 2017. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer states they are not responsible for this debt. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? Our initial letter which contained all required disclosures and validation was sent to the consumer on 5/3/2017. It was mailed to the consumer’s verified address. ? I have ordered a verification of debt for this account from the creditor. It will be mailed to the consumer once it is received. ? If the consumer would like to submit proof to support their claims, it can be sent to [email protected]. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je[redacted]@phoenixfinancialsvcs.com if I can be of further assistance. Federal law requires me to inform you that this communication is from a debt collector. Sincerely, Justin E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
This is the first correspondence we have received from this consumer; however, we are a third-party agency and have only had the account since September 2015. We have already requested deletion of the credit reporting due to a dispute filed directly with the credit bureaus on...
1/8/15. I sent the complaint to the creditor to review for prior agency disputes or requests.
In response to this complaint, I have requested a statement be sent from the creditor for the consumer's review. I have also placed the account in a cease communication status with no further communications from this agency.
Kimberly [redacted]
Phoenix Financial Services LLC
March 27, 2017 Revdex.com of Central Indiana 151 N Delaware Street #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on March 24, 2017. We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that oversee compliance. I appreciate this issue being brought to my attention. Phoenix Financial Services LLC is a third party collection agency. Upon review of your inquiry, I determined that the following concern was raised: ? The consumer states requests for a letter showing that this account is paid in full have been ignored. ? The consumer states she was offered settlement terms instead of a zero-balance letter. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file. ? I reviewed the call recordings for this account. Upon conclusion of my internal investigation, I determined the following: ? A previous zero balance letter was sent to consumer on 3/9/2017, to the address that consumer has verified is correct. ? Another zero-balance letter has been requested, and will be sent to the same verified address. ? Consumer has been notified that the letter will be mailed in an envelope that will contain our mailing address only, as we are required to not include our company name on mailed communication. ? Per call recordings, no request for letters was denied, and the representative explained that a further request would be made. ? No payment terms were discussed with consumer past the original conversation which lead to payment of the account. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je[redacted]@phoenixfinancialsvcs.com if I can be of further assistance. Federal law requires me to inform you that this communication is from a debt collector. Sincerely, Justin E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
The verification of debt was received from the creditor on 8/7/2017. It was mailed to the consumer on that same date. It was mailed to the address that consumer has provided. Information has been provided to the creditor and this account has been determined eligible to remain open in our offices. We look forward to communicating with consumer in an effort to reach resolution on this account.