Thank you for your inquiry. The required disclosure letter was sent on 9/7/15. However, in the interest of resolving the complaint through the Revdex.com, we have sent a request for deletion of credit reporting to the credit bureaus as requested. I have also noted the attorney...
representation on the file.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.
Regards,
[redacted]
As indicated in our response, our validation letter was mailed to the consumer's verified address. Meaning, the address that the consumer themselves has verified as correct in this complaint. This is the same address that the verification will be mailed to as well. We have directly addressed the consumer's complaints, and request that this matter be closed.
ATTACHEDAugust 3, 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 July 26, 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 that this debt is not valid. ? The consumer states verbal communication has been unhelpful. 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: ? I have requested a verification of debt from the creditor. This will be sent to the consumer once it is received. ? We show no verbal communication in our office with consumer. ? If consumer would like to submit insurance information for this matter 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
Please see our response attached.Kimberly E[redacted]Phoenix Financial Services...
LLC June 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 27, 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 were given a different discount amount from the agent than the letter offer received in the mail. ? The consumer feels this is misleading. ? The consumer requests a paid letter be sent. 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: ? Agents are given a set discount authority that they are unable to reduce. The agent offers are able to include credit bureau removal since they are at a higher amount, typically. This consumer did receive the credit bureau removal as part of the discount. ? Management also occasionally runs a batch lower discount offer letter on accounts over 60 or 90 days that is lower than the agent is authorized to offer. The letter discount offer does not include credit bureau removal as part of the offer since the amount is reduced, so the offers are not actually comparable. ? However, in the interest of consumer service, we will honor the letter offer reduced amount even though the credit bureau removal has already been sent for this consumer, so the consumer is in effect receiving both offers. A refund of $484.50 was sent to the consumer’s card. ? A paid letter was sent to the consumer at his request on 6/14/2017. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at ke[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, 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 a hospital bill for the alleged visit in 2013 or any other follow up notices. The only documentation I received regarding this matter was the letter from the debt collector that was sent almost 3 years later. Also, on this exact day I was in another state for a job interview. I have travel documentation that I can mail from the job interview on August 20, 2013 that prove that this claim in invalid.
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.I have received this exact same response from the company on numerous occasions.
"I have requested a verification of debt from the creditor. This will be sent to the consumer once it is
received."This has never been done. I have never received anything from the original creditor."We show no verbal communication in our office with consumer." This company is impossible to communicate with. They do not listen, they are not honest, they are rude and they do not cooperate. That is why I am complaining, again."If consumer would like to submit insurance information for this matter it can be sent to [email protected]." The time period to submit this claim to insurance has passed. I was never able to submit this to my insurance because I have never received a copy of the original bill. They will not follow through on what they say in this letter. They never have.
Regards,
[redacted]
ATTACHEDNovember 24, 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 November 14, 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: ? Consumer states this debt was paid. 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: ? If consumer would like to submit proof of payment, 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
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.
Regards,
[redacted]
ATTACHEDJune 21, 2017 Revdex.com 151 N. Delaware St. #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on June 13, 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 that the debt is being collected in error. 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: ? We do not sue or threaten to sue on these accounts. ? We found no violations after our review 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
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 are listed below.This company has never sent any correspondence to me regarding any debt. I do not have a signed contract with this company and have never done business with them. Still have not received the said supporting documents to support their claim of validation. I am not responsible for this debt. I do not have a signed contract nor any contract with Phoenix Financial and have never done business with this company. I am not liable for collection from this debt from saod provider.
Regards,
[redacted]
We have reviewed the calls on the account. The account was placed on 2/29/16 and we had a conversation regarding the dispute. A copy of the EOB was to be sent to us but has not yet been received so that we can close out the account. I have sent the dispute to the client to review...
and have placed the account in a dispute hold. There will be no further communications from this office and the account has not been reported to the credit bureaus at this time. Kimberly E[redacted]Phoenix Financial Services LLC
ATTACHEDJuly 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] [redacted] on July 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 want no further contact from our agency. ? The consumer states they have been contacted after previously requesting no contact. 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: ? After the consumer’s initial request to not be contacted at their home phone, that number was removed. The only other contact in our office was from an inbound call from the consumer. ? The contact number for the consumer has been added to our Do Not Call List. ? The account has been placed in a cease hold per the consumer’s request. 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
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 would like this error to be completely removed from Phoenix and [redacted] records.
Regards,
[redacted]
Thank you for the feedback. While we do not find any legal or regulatory violations and did not charge any fees to the consumer, we do feel that the agent should have provided better service and alerted the consumer to the mistake and second transaction prior to processing.Therefore, I have...
refunded the second transaction of $27.00 with a refund reference # of [redacted]. We will cover this payment and have sent a removal request to the credit bureaus to have the account deleted from credit reporting.We apologize for the inconvenience.Kimberly E[redacted]Phoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 17, 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 additional information regarding the accountThe consumer requests credit reporting deletion.The consumer requests no further communication on this account.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 provided the statement and billing history for this account, which is being mailed to the consumer for their review.The account has not been reported to any credit bureaus at this time.The account has been placed in a cease communication status. There will be no further communications from this agency on this account after the verification documents are sent.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], Compliance
Thank you, I have sent to the Chief Operations Officer to review the calls and address as appropriate. It is my understanding he has reached out to the consumer to discuss the details as well. As requested, there will be no further communications on this account.We appreciate the...
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 28, 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 states the representative threatened and harassed her on the call.The consumer states she did not receive any notification of the account from our office prior to the telephone call.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 account was placed on 10/26/16 in this office and the initial notice sent on 10/27/16 as required by law. It is likely the consumer has not yet received due to mailing time.I have sent the information to the Chief Operations Officer to review the call and address as necessary. He has informed me he also left a message to discuss with the consumer as well.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], Compliance
ATTACHEDSeptember 21, 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 September 18, 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: ? Consumer states that no information was received concerning this account. 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 contains all notices and disclosures, was sent to the consumer’s verified address on 8/3/2017. ? I have requested a verification of debt from the creditor. It will be sent to the consumer’s verified address once it is received. 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 communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our Office Hours are Mon-Thur 9am-9pm, EST and Fri 9am-5pm, EST.
At this time, we have submitted our response indicating when the disputed document was sent to consumer and have sent follow up notices as well. We are submitting this documentation in the manner allowable by law. We have directly responded to the nature of the consumer's complaint. In order to provide a customer service experience I will submit a credit deletion request. However, further complaints will not expedite the credit deletion process as that is performed by the credit bureaus themselves.
Thank you for your inquiry. The required disclosure letter was sent on 9/7/15. However, in the interest of resolving the complaint through the Revdex.com, we have sent a request for deletion of credit reporting to the credit bureaus as requested. I have also noted the attorney...
representation on the file.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.
Regards,
[redacted]
As indicated in our response, our validation letter was mailed to the consumer's verified address. Meaning, the address that the consumer themselves has verified as correct in this complaint. This is the same address that the verification will be mailed to as well. We have directly addressed the consumer's complaints, and request that this matter be closed.
PLEASE SEE OUR RESPONSE...
ATTACHEDAugust 3, 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 July 26, 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 that this debt is not valid. ? The consumer states verbal communication has been unhelpful. 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: ? I have requested a verification of debt from the creditor. This will be sent to the consumer once it is received. ? We show no verbal communication in our office with consumer. ? If consumer would like to submit insurance information for this matter 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
Please see our response attached.Kimberly E[redacted]Phoenix Financial Services...
LLC June 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 27, 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 were given a different discount amount from the agent than the letter offer received in the mail. ? The consumer feels this is misleading. ? The consumer requests a paid letter be sent. 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: ? Agents are given a set discount authority that they are unable to reduce. The agent offers are able to include credit bureau removal since they are at a higher amount, typically. This consumer did receive the credit bureau removal as part of the discount. ? Management also occasionally runs a batch lower discount offer letter on accounts over 60 or 90 days that is lower than the agent is authorized to offer. The letter discount offer does not include credit bureau removal as part of the offer since the amount is reduced, so the offers are not actually comparable. ? However, in the interest of consumer service, we will honor the letter offer reduced amount even though the credit bureau removal has already been sent for this consumer, so the consumer is in effect receiving both offers. A refund of $484.50 was sent to the consumer’s card. ? A paid letter was sent to the consumer at his request on 6/14/2017. I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at ke[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, 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 a hospital bill for the alleged visit in 2013 or any other follow up notices. The only documentation I received regarding this matter was the letter from the debt collector that was sent almost 3 years later. Also, on this exact day I was in another state for a job interview. I have travel documentation that I can mail from the job interview on August 20, 2013 that prove that this claim in invalid.
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.I have received this exact same response from the company on numerous occasions.
"I have requested a verification of debt from the creditor. This will be sent to the consumer once it is
received."This has never been done. I have never received anything from the original creditor."We show no verbal communication in our office with consumer." This company is impossible to communicate with. They do not listen, they are not honest, they are rude and they do not cooperate. That is why I am complaining, again."If consumer would like to submit insurance information for this matter it can be sent to
[email protected]." The time period to submit this claim to insurance has passed. I was never able to submit this to my insurance because I have never received a copy of the original bill. They will not follow through on what they say in this letter. They never have.
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDNovember 24, 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 November 14, 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: ? Consumer states this debt was paid. 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: ? If consumer would like to submit proof of payment, 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
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.
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDJune 21, 2017 Revdex.com 151 N. Delaware St. #2020 Indianapolis, IN 46204-2599 ID [redacted] Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on June 13, 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 that the debt is being collected in error. 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: ? We do not sue or threaten to sue on these accounts. ? We found no violations after our review 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
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 are listed below.This company has never sent any correspondence to me regarding any debt. I do not have a signed contract with this company and have never done business with them. Still have not received the said supporting documents to support their claim of validation. I am not responsible for this debt. I do not have a signed contract nor any contract with Phoenix Financial and have never done business with this company. I am not liable for collection from this debt from saod provider.
Regards,
[redacted]
We have reviewed the calls on the account. The account was placed on 2/29/16 and we had a conversation regarding the dispute. A copy of the EOB was to be sent to us but has not yet been received so that we can close out the account. I have sent the dispute to the client to review...
and have placed the account in a dispute hold. There will be no further communications from this office and the account has not been reported to the credit bureaus at this time. Kimberly E[redacted]Phoenix Financial Services LLC
PLEASE SEE OUR RESPONSE...
ATTACHEDJuly 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] [redacted] on July 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 want no further contact from our agency. ? The consumer states they have been contacted after previously requesting no contact. 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: ? After the consumer’s initial request to not be contacted at their home phone, that number was removed. The only other contact in our office was from an inbound call from the consumer. ? The contact number for the consumer has been added to our Do Not Call List. ? The account has been placed in a cease hold per the consumer’s request. 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
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 would like this error to be completely removed from Phoenix and [redacted] records.
Regards,
[redacted]
Thank you for the feedback. While we do not find any legal or regulatory violations and did not charge any fees to the consumer, we do feel that the agent should have provided better service and alerted the consumer to the mistake and second transaction prior to processing.Therefore, I have...
refunded the second transaction of $27.00 with a refund reference # of [redacted]. We will cover this payment and have sent a removal request to the credit bureaus to have the account deleted from credit reporting.We apologize for the inconvenience.Kimberly E[redacted]Phoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 17, 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 additional information regarding the accountThe consumer requests credit reporting deletion.The consumer requests no further communication on this account.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 provided the statement and billing history for this account, which is being mailed to the consumer for their review.The account has not been reported to any credit bureaus at this time.The account has been placed in a cease communication status. There will be no further communications from this agency on this account after the verification documents are sent.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], Compliance
Thank you, I have sent to the Chief Operations Officer to review the calls and address as appropriate. It is my understanding he has reached out to the consumer to discuss the details as well. As requested, there will be no further communications on this account.We appreciate the...
feedback.Kimberly E[redacted]Phoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on October 28, 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 states the representative threatened and harassed her on the call.The consumer states she did not receive any notification of the account from our office prior to the telephone call.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 account was placed on 10/26/16 in this office and the initial notice sent on 10/27/16 as required by law. It is likely the consumer has not yet received due to mailing time.I have sent the information to the Chief Operations Officer to review the call and address as necessary. He has informed me he also left a message to discuss with the consumer as well.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], Compliance
PLEASE SEE OUR RESPONSE...
ATTACHEDSeptember 21, 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 September 18, 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: ? Consumer states that no information was received concerning this account. 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 contains all notices and disclosures, was sent to the consumer’s verified address on 8/3/2017. ? I have requested a verification of debt from the creditor. It will be sent to the consumer’s verified address once it is received. 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 communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. Our Office Hours are Mon-Thur 9am-9pm, EST and Fri 9am-5pm, EST.
At this time, we have submitted our response indicating when the disputed document was sent to consumer and have sent follow up notices as well. We are submitting this documentation in the manner allowable by law. We have directly responded to the nature of the consumer's complaint. In order to provide a customer service experience I will submit a credit deletion request. However, further complaints will not expedite the credit deletion process as that is performed by the credit bureaus themselves.