ATTACHEDJune 14, 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 2, 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 account has been opened 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: ? At this point in time this account is closed in our office. It has been returned to the creditor. Along with closing the account a request for credit reporting deletion was sent. ? The request was submitted on 5/5/2017. It is now the responsibility of the credit bureaus themselves to delete any remarks from credit. 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. This communication is being sent as a response to a dispute only and is not an attempt to collect a debt. 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.
The 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.
[The response from the business is unclear and clarity is needed before I can proceed. Their response was that they are to be sent the EOB but it hasn't happened. To whom are the awaiting the EOB from; The office in which the payment was sent originally, the client or the Insurance company? It is in my personal opinion that the information be sent back to the party in which forward this to the collections so that they may correct the wrong. The company was supplied with the original Explanation of Benefits but failed to process the payment & contractual write off appropriately before forwarding it to collections & should handle getting the replacement EOB from UMR. Please give a clearer explanation from whom they are requesting information from.
Regards,
[redacted]
The consumer's original complaint stated that we did not provide documentation stating the consumer's right to dispute. We submitted a response detailing exactly how we provided the disputed documentation. The documentation was already provided, and will not be provided through the Revdex.com portal. We have responded to and addressed the consumer's complaint. We are requesting that this matter be closed due to our cooperation in closing this matter. Thank you.
ATTACHEDDecember 6, 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 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: ? Consumer states the representative advised them that information detailing how to submit payments would be sent to them. ? Consumer states they were unaware collection fees would be added by the creditor if payments were not made in the required time. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes and call recordings that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? The letter confirming the agreement contained the payment terms and due date, along with the address to mail payments. Additionally, the representative advised the consumer she had the option to call back after all documentation was complete to setup automatic payments. ? The creditor sent a letter to the consumer advising of the addition of collection fees if no payment was made by the 60-day date from default as listed in the letter. Additionally, upon placement in this office a letter was sent advising of the addition of collection fees by the creditor if payment was not received by the 60-day mark as well. ? Payments were set to avoid the fees, but the payment was not 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
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 business says they cannot speak regarding the original debt. I do not owe the original debt. The only one pursuing the original debt is this business. If they cannot speak to the original debt, which I don't owe, then how do I resolve the matter with this business? They cannot keep try to collect a debt about which they refuse to speak. They say they don't know what happened before the debt came to them. They should know wether or not it is a valid debt and they should be required to prove it is avalif debt if they are going to pursue collection of the debt. If they cannot speak to the original debt, then they have no business trying to collect it.
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 is only telling me that they will see if they accept my documents. These documents are the actual verification letters from Medicaid to prove coverage what is there to check. This is not saying how long it will take to verify you have had the documents for almost two weeks. Once this is done I need a letter confirming this account is closed and off my credit report and that's when I would consider it resolved.Regards,[redacted]
LLCRevdex.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 August 5, 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 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: ? I have sent the account to the Chief Operations Officer to review calls and address as appropriate. ? I have requested additional documentation be sent to the consumer once received from the client. The account will remain in a hold status until such documentation is mailed out. 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. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
We are requesting that this complaint be closed out, due to already meeting the consumer's requests. In our response, which was in writing, it was stated that a request for credit deletion was sent to the credit bureaus. The time-frame in which the deletion takes place is now up to the credit bureaus. The account status will be determined by the creditor, and will be closed once they request it to be closed. As for the concern of our company selling this account, we are a third-party collection agency. We do not sell, nor do we buy, any accounts. We have met the consumer's request, and consider this rejection to be unwarranted.
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 response does not resolve the complaint . I still have this bill showing in collections and is negatively affecting my credit . The issue is not resolved until both parties Correct these mistakes and invalid charges. ]
Regards,
[redacted]
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 20, 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 the 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: ? Consumer can submit proof of payment to [email protected]. ? I have requested a verification of debt from the creditor. It will be mailed to the consumer once 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
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.
If you listen to the recorded call the address they gave was [redacted]
Regards,
[redacted]
ATTACHEDAugust 31, 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 August 15, 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 has not been validated or verified. 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 required disclosures and notices, was sent on 9/16/2014 to consumer’s verified address. ? 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
LLCAugust 2, 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 July 29, 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 they do not believe the accounts in question are for the correct person. ? The consumer requests a correction to their credit report. 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: ? Verification documents were sent on 7/6/16 in response to a dispute. However, due to this new dispute information, we have escalated to the client to review the account with the original creditor. The account is currently on hold in this office until resolved with the original creditor. There will be no further communications from this agency. ? A credit reporting deletion request was submitted to the credit bureaus on 7/25/16 in response to a previous dispute. 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. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
March 22, 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 20, 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 disputing this debt. ? The consumer states that validation has not been provided. 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: ? Validation of this debt was sent in our initial letter on 12/12/2016. ? Follow up letters were sent on 1/26/17 and 3/2/2017. ? All the above stated letters were sent to the address that consumer has verified as correct. ? The consumer’s dispute has been noted, and the account has been placed in a hold. ? I have requested a Verification of Debt from the creditor. Once received it will be sent to the verified address that has been provided by the consumer. 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
Thank you for this information. I have sent to the Chief Operating Officer to review the calls on this account for possible training opportunities. He may be calling to obtain additional information or clarification. The client has already sent this account to us as an insurance...
account to process earlier today. I have placed the account in a hold status and blocked any credit reporting on the account while awaiting insurance billing and payment. I apologize for the confusion for this consumer. We are certainly able to submit for billing and follow-up as an agency.Kimberly [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. I have spoke with the COO abdcper our phone conversation the file will be deleted.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I have received the letter in the mail confirming that the creditor account has been closed.Thank you,[redacted]
We have reviewed the consumer's rejection. There is no legal reason that we have to delete credit reporting on this account. However, in the interest of providing a customer service experience we have requested that the information be deleted from the consumer's credit report. Please note, the request has been submitted, and at this time the process of deleting the information falls to the credit bureaus themselves. Further complaints will not expedite the request.
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: · Mr. [redacted] states the collection call was aggressive and asking for payments he is not comfortable making. · Mr. [redacted] does not wish to receive further communications until he is ready to setup payments. 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: · I have sent the file to the Director to review calls on the account and address any issues as necessary. · I have placed the account in a cease communications status and added Mr. [redacted]'s phone number to the Never Call List. Payments may be made by Mr. [redacted] at his convenience. 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. Sincerely, Kimberly [redacted], Compliance
PLEASE SEE OUR RESPONSE...
ATTACHEDJune 14, 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 2, 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 account has been opened 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: ? At this point in time this account is closed in our office. It has been returned to the creditor. Along with closing the account a request for credit reporting deletion was sent. ? The request was submitted on 5/5/2017. It is now the responsibility of the credit bureaus themselves to delete any remarks from credit. 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. This communication is being sent as a response to a dispute only and is not an attempt to collect a debt. 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.
The 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.
[The response from the business is unclear and clarity is needed before I can proceed. Their response was that they are to be sent the EOB but it hasn't happened. To whom are the awaiting the EOB from; The office in which the payment was sent originally, the client or the Insurance company? It is in my personal opinion that the information be sent back to the party in which forward this to the collections so that they may correct the wrong. The company was supplied with the original Explanation of Benefits but failed to process the payment & contractual write off appropriately before forwarding it to collections & should handle getting the replacement EOB from UMR. Please give a clearer explanation from whom they are requesting information from.
Regards,
[redacted]
The consumer's original complaint stated that we did not provide documentation stating the consumer's right to dispute. We submitted a response detailing exactly how we provided the disputed documentation. The documentation was already provided, and will not be provided through the Revdex.com portal. We have responded to and addressed the consumer's complaint. We are requesting that this matter be closed due to our cooperation in closing this matter. Thank you.
PLEASE SEE OUR RESPONSE...
ATTACHEDDecember 6, 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 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: ? Consumer states the representative advised them that information detailing how to submit payments would be sent to them. ? Consumer states they were unaware collection fees would be added by the creditor if payments were not made in the required time. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes and call recordings that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? The letter confirming the agreement contained the payment terms and due date, along with the address to mail payments. Additionally, the representative advised the consumer she had the option to call back after all documentation was complete to setup automatic payments. ? The creditor sent a letter to the consumer advising of the addition of collection fees if no payment was made by the 60-day date from default as listed in the letter. Additionally, upon placement in this office a letter was sent advising of the addition of collection fees by the creditor if payment was not received by the 60-day mark as well. ? Payments were set to avoid the fees, but the payment was not 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
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 business says they cannot speak regarding the original debt. I do not owe the original debt. The only one pursuing the original debt is this business. If they cannot speak to the original debt, which I don't owe, then how do I resolve the matter with this business? They cannot keep try to collect a debt about which they refuse to speak. They say they don't know what happened before the debt came to them. They should know wether or not it is a valid debt and they should be required to prove it is avalif debt if they are going to pursue collection of the debt. If they cannot speak to the original debt, then they have no business trying to collect it.
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 is only telling me that they will see if they accept my documents. These documents are the actual verification letters from Medicaid to prove coverage what is there to check. This is not saying how long it will take to verify you have had the documents for almost two weeks. Once this is done I need a letter confirming this account is closed and off my credit report and that's when I would consider it resolved.Regards,[redacted]
Please find our response attached.Kimberly E[redacted]Phoenix Financial Services...
LLCRevdex.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 August 5, 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 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: ? I have sent the account to the Chief Operations Officer to review calls and address as appropriate. ? I have requested additional documentation be sent to the consumer once received from the client. The account will remain in a hold status until such documentation is mailed out. 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. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
We are requesting that this complaint be closed out, due to already meeting the consumer's requests. In our response, which was in writing, it was stated that a request for credit deletion was sent to the credit bureaus. The time-frame in which the deletion takes place is now up to the credit bureaus. The account status will be determined by the creditor, and will be closed once they request it to be closed. As for the concern of our company selling this account, we are a third-party collection agency. We do not sell, nor do we buy, any accounts. We have met the consumer's request, and consider this rejection to be unwarranted.
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 response does not resolve the complaint . I still have this bill showing in collections and is negatively affecting my credit . The issue is not resolved until both parties Correct these mistakes and invalid charges. ]
Regards,
[redacted]
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 20, 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 the 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: ? Consumer can submit proof of payment to [email protected]. ? I have requested a verification of debt from the creditor. It will be mailed to the consumer once 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
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.
If you listen to the recorded call the address they gave was [redacted]
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDAugust 31, 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 August 15, 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 has not been validated or verified. 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 required disclosures and notices, was sent on 9/16/2014 to consumer’s verified address. ? 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
Please find our response attached.Thank you,Kimberly E[redacted]Phoenix Financial Services...
LLCAugust 2, 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 July 29, 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 they do not believe the accounts in question are for the correct person. ? The consumer requests a correction to their credit report. 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: ? Verification documents were sent on 7/6/16 in response to a dispute. However, due to this new dispute information, we have escalated to the client to review the account with the original creditor. The account is currently on hold in this office until resolved with the original creditor. There will be no further communications from this agency. ? A credit reporting deletion request was submitted to the credit bureaus on 7/25/16 in response to a previous dispute. 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. Sincerely, Kimberly E[redacted], CompliancePO Box 361450; Indianapolis, IN 46236 | 855-342-6567
March 22, 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 20, 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 disputing this debt. ? The consumer states that validation has not been provided. 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: ? Validation of this debt was sent in our initial letter on 12/12/2016. ? Follow up letters were sent on 1/26/17 and 3/2/2017. ? All the above stated letters were sent to the address that consumer has verified as correct. ? The consumer’s dispute has been noted, and the account has been placed in a hold. ? I have requested a Verification of Debt from the creditor. Once received it will be sent to the verified address that has been provided by the consumer. 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
Thank you for this information. I have sent to the Chief Operating Officer to review the calls on this account for possible training opportunities. He may be calling to obtain additional information or clarification. The client has already sent this account to us as an insurance...
account to process earlier today. I have placed the account in a hold status and blocked any credit reporting on the account while awaiting insurance billing and payment. I apologize for the confusion for this consumer. We are certainly able to submit for billing and follow-up as an agency.Kimberly [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. I have spoke with the COO abdcper our phone conversation the file will be deleted.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I have received the letter in the mail confirming that the creditor account has been closed.Thank you,[redacted]
We have reviewed the consumer's rejection. There is no legal reason that we have to delete credit reporting on this account. However, in the interest of providing a customer service experience we have requested that the information be deleted from the consumer's credit report. Please note, the request has been submitted, and at this time the process of deleting the information falls to the credit bureaus themselves. Further complaints will not expedite the request.
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: · Mr. [redacted] states the collection call was aggressive and asking for payments he is not comfortable making. · Mr. [redacted] does not wish to receive further communications until he is ready to setup payments. 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: · I have sent the file to the Director to review calls on the account and address any issues as necessary. · I have placed the account in a cease communications status and added Mr. [redacted]'s phone number to the Never Call List. Payments may be made by Mr. [redacted] at his convenience. 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. Sincerely, Kimberly [redacted], Compliance