The arguments made in the consumer's rejection were already explicitly responded to in our original letter. There is nothing further that our office can do to respond to the same complaints that have already been responded to. We request that this matter be closed, as we responded in a timely manner and addressed the consumer's complaint.
ATTACHEDAugust 10, 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 31, 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 Equifax credit reporting was not deleted. 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: ? The account, which has been closed, shows that our request for deletion was submitted to all credit bureaus at the same time. ? I have resubmitted the request for deletion. 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 response/resolution is satisfactory to me.
Regards,
[redacted]
Thank you for the inquiry, we had received this complaint via email as well and had begun research.I sent the complaint to the client to review with the facility. The client has agreed to close the account. We have closed the account in our system and sent a deletion request for...
credit reporting, confirmation #[redacted].I apologize for any inconvenience.Kimberly E[redacted]Phoenix Financial Services LLC
ATTACHEDAugust 10, 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 1, 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 debt was not validated. ? The consumer disputes credit reporting. 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 validations and disclosures, was sent to consumer on 1/5/2017. ? The accounts, which has been closed, shows that our request for deletion was submitted to all credit bureaus.. 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.
After little more research I found out that alleged debt has been previously handled by another collection agency and stayed on my record for more than five years even it was dismissed by [redacted]. So this Phoenix company just picked some expired debt and posted on my Credit report without contacting me. This is not first time they did this according to online complains and consumer watch groups. Good thing is they were forced to withdraw reports or Credit Bureau removed record by finding that company can't validate debt. Also they claim that they are "contracted by [redacted] to collect this debt". This is not true because in my phone contact with [redacted] accounting department there is no debt on my behalf and they never contracted Phoenix Financial and it is not on their list of collection agency they use. So this guy claiming that he review their action and found nothing wrong is scary. That show intentional deceptive practice and intentional disregard for consumer rights and Fair Debt Collection Practice. But that will be subject of my lawyer complaint with certain administrators and government agencies and possible legal action against Phoenix Financial Services, LLC.
Regards,
[redacted]
ATTACHEDJuly 26, 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 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 she has no knowledge of this debt. ? The consumer states no information has been received prior to credit reporting. 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, validations, and disclosures, was sent on 5/17/2017. 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. 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
March 20, 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 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: ? The consumer states that this is not his account. ? The consumer states the account has been previously disputed. 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, and forwarded them to executive for further review. Upon conclusion of my internal investigation, I determined the following: ? As stated in the consumer’s complaint, this account has been disputed and properly documented as such. ? We have sent verification of debt letters to the consumer, the consumer has provided no proof that his identity differs from the identification made in these letters. ? The consumer verified on a recorded line that we are speaking to the correct party. ? The account has been placed in dispute hold. If the consumer is claiming identity theft, proof 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]
Thank you, the accounts placed in February that have been receiving payments have not been credit reported, as agreed.The accounts being credit reported are new accounts placed on 6/21/16. A letter was sent on 6/21 and messages left on 6/22 and 6/23 informing of these accounts and to try to...
set up arrangements but no callback was received and no arrangements made. There have also been several unanswered calls on the account.If arrangements are setup and met on the new accounts, I will authorize credit reporting deletion on these accounts to pay them off. This is no usually done, but we will do so to resolve this complaint.Kimberly E[redacted]Phoenix Financial Services LLC
Please send a copy of the credit report as our system has not reported anything to credit for this account as stated previously. The consumer can always dispute directly with the credit bureaus for any item on her credit report as well, since we have no way of deleting something we did not send. We are able to send a close and return letter for her to use in this dispute, if needed. Kimberly E[redacted]Phoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on July 31, 2015.
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] requests a copy of the original physician bill.
• Mr. [redacted] requests removal of credit reporting.
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.
• This office does not collect for the medical center or hospital, but for the physician group. I have requested a copy of the original physician bill to be sent to Mr. [redacted] from the client. I have also placed the account in a cease communications status. Mr [redacted] will not receive further communications from this office.
• The account has not been reported to any credit bureaus by this office.
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.
Kimberly [redacted], Compliance
Thank you, we do not have on file any previous disputes or requests. However, I have sent a deletion request to the credit bureaus, confirmation [redacted], to allow for investigation. I have also requested documentation from the client be sent to the consumer.Kimberly [redacted]Phoenix...
Unfortunately we are unable to locate an account based on the information that the consumer has provided. We are requesting that consumer send documentation, such as a copy of the remarks on the credit report, that can help us locate the accounts. The full and unedited accounts numbers...
would also be helpful, along with any other last names or addresses this could be associated with. The information can be sent to [email protected].
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.
My best resolutions to this matter would be that the negative information be removed from my credit file! Creditor stated that I've contacted them but I made no reference to the fact that insurance paid this account before it was sent to collections! I didn't make a reference to a payment being made because I wanted them to do their job in finding out that information, in the process though my credit has been negatively affected... my credit shouldn't have to suffer negatively while they find out that the account has already been paid in full. The only resolution I'll accept is removal of this negative information from my credit files ASAP.
Regards,
[redacted]
ATTACHEDMay 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 May 6, 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 disputes credit reporting. ? The consumer states they have never been contacted regarding this debt. ? The consumer states they did not receive proper validation. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes and calls that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? Our initial contact letter, which contains all required validation and disclosures, was sent via mail to consumer on 12/30/2016. This letter was sent to the address which consumer verifies as correct in this complaint. A second letter was sent to the same address on 3/2/2017. ? Our office attempted to contact consumer via telephone at the number which consumer has provided in this complaint on 1/20/2017. We were informed by an unidentified female that this was not a correct contact number for consumer. ? We received a dispute from consumer via email on 3/6/2017. This dispute was logged and a verification of debt was requested from creditor on consumer’s behalf and at their request. That verification was sent to the same verified address for the consumer on 3/13/2017. ? To date we have received no return mail from consumer’s address, and the consumer is stating that the address is correct in this complaint. ? If the consumer wishes to submit any documentation that supports this debt not being theirs, it can be submitted 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. 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
Thank you for your inquiry. This information was sent to the Chief Operating Officer to review the calls and address as appropriate. He did call the consumer and discussed the account as requested. We also have the statement on order to email today.The account will remain in a...
dispute hold at this time to resolve the issues.Kimberly E[redacted]Phoenix Financial Services LLC
ATTACHEDJune 9, 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 May 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 these charges are in error. ? The consumer states they were covered by insurance and that it was not billed correctly. 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 received a complaint in our office from consumer, with insurance information attached. ? That complaint was forwarded to the creditor and is being reviewed. ? Final status of this account is determined by the creditor and will be carried out once we have received their assessment. 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 attached our response to this complaint.Kimberly E[redacted]Phoenix Financial Services...
LLCAugust 18, 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] [redacted] on August 12, 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 credit bureau removal and account closure. 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: ? This complaint was sent to our client to review. ? We have closed this account in our system and sent a deletion request to the credit bureaus. The credit reporting deletion confirmation is [redacted]. 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
The arguments made in the consumer's rejection were already explicitly responded to in our original letter. There is nothing further that our office can do to respond to the same complaints that have already been responded to. We request that this matter be closed, as we responded in a timely manner and addressed the consumer's complaint.
PLEASE SEE OUR RESPONSE...
ATTACHEDAugust 10, 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 31, 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 Equifax credit reporting was not deleted. 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: ? The account, which has been closed, shows that our request for deletion was submitted to all credit bureaus at the same time. ? I have resubmitted the request for deletion. 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 response/resolution is satisfactory to me.
Regards,
[redacted]
Thank you for the inquiry, we had received this complaint via email as well and had begun research.I sent the complaint to the client to review with the facility. The client has agreed to close the account. We have closed the account in our system and sent a deletion request for...
credit reporting, confirmation #[redacted].I apologize for any inconvenience.Kimberly E[redacted]Phoenix Financial Services LLC
PLEASE SEE OUR RESPONSE...
ATTACHEDAugust 10, 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 1, 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 debt was not validated. ? The consumer disputes credit reporting. 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 validations and disclosures, was sent to consumer on 1/5/2017. ? The accounts, which has been closed, shows that our request for deletion was submitted to all credit bureaus.. 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.
After little more research I found out that alleged debt has been previously handled by another collection agency and stayed on my record for more than five years even it was dismissed by [redacted]. So this Phoenix company just picked some expired debt and posted on my Credit report without contacting me. This is not first time they did this according to online complains and consumer watch groups. Good thing is they were forced to withdraw reports or Credit Bureau removed record by finding that company can't validate debt. Also they claim that they are "contracted by [redacted] to collect this debt". This is not true because in my phone contact with [redacted] accounting department there is no debt on my behalf and they never contracted Phoenix Financial and it is not on their list of collection agency they use. So this guy claiming that he review their action and found nothing wrong is scary. That show intentional deceptive practice and intentional disregard for consumer rights and Fair Debt Collection Practice. But that will be subject of my lawyer complaint with certain administrators and government agencies and possible legal action against Phoenix Financial Services, LLC.
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDJuly 26, 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 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 she has no knowledge of this debt. ? The consumer states no information has been received prior to credit reporting. 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, validations, and disclosures, was sent on 5/17/2017. 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. 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
March 20, 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 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: ? The consumer states that this is not his account. ? The consumer states the account has been previously disputed. 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, and forwarded them to executive for further review. Upon conclusion of my internal investigation, I determined the following: ? As stated in the consumer’s complaint, this account has been disputed and properly documented as such. ? We have sent verification of debt letters to the consumer, the consumer has provided no proof that his identity differs from the identification made in these letters. ? The consumer verified on a recorded line that we are speaking to the correct party. ? The account has been placed in dispute hold. If the consumer is claiming identity theft, proof 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]
Thank you, the accounts placed in February that have been receiving payments have not been credit reported, as agreed.The accounts being credit reported are new accounts placed on 6/21/16. A letter was sent on 6/21 and messages left on 6/22 and 6/23 informing of these accounts and to try to...
set up arrangements but no callback was received and no arrangements made. There have also been several unanswered calls on the account.If arrangements are setup and met on the new accounts, I will authorize credit reporting deletion on these accounts to pay them off. This is no usually done, but we will do so to resolve this complaint.Kimberly E[redacted]Phoenix Financial Services LLC
Please send a copy of the credit report as our system has not reported anything to credit for this account as stated previously. The consumer can always dispute directly with the credit bureaus for any item on her credit report as well, since we have no way of deleting something we did not send. We are able to send a close and return letter for her to use in this dispute, if needed. Kimberly E[redacted]Phoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on July 31, 2015.
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] requests a copy of the original physician bill.
• Mr. [redacted] requests removal of credit reporting.
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.
• This office does not collect for the medical center or hospital, but for the physician group. I have requested a copy of the original physician bill to be sent to Mr. [redacted] from the client. I have also placed the account in a cease communications status. Mr [redacted] will not receive further communications from this office.
• The account has not been reported to any credit bureaus by this office.
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.
Kimberly [redacted], Compliance
Thank you, we do not have on file any previous disputes or requests. However, I have sent a deletion request to the credit bureaus, confirmation [redacted], to allow for investigation. I have also requested documentation from the client be sent to the consumer.Kimberly [redacted]Phoenix...
Financial Services, LLC
Please find our response attached.Kimberly E[redacted]Phoenix Financial Services LLC
Unfortunately we are unable to locate an account based on the information that the consumer has provided. We are requesting that consumer send documentation, such as a copy of the remarks on the credit report, that can help us locate the accounts. The full and unedited accounts numbers...
would also be helpful, along with any other last names or addresses this could be associated with. The information can be sent to [email protected].
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.
My best resolutions to this matter would be that the negative information be removed from my credit file! Creditor stated that I've contacted them but I made no reference to the fact that insurance paid this account before it was sent to collections! I didn't make a reference to a payment being made because I wanted them to do their job in finding out that information, in the process though my credit has been negatively affected... my credit shouldn't have to suffer negatively while they find out that the account has already been paid in full. The only resolution I'll accept is removal of this negative information from my credit files ASAP.
Regards,
[redacted]
PLEASE SEE OUR RESPONSE...
ATTACHEDMay 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 May 6, 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 disputes credit reporting. ? The consumer states they have never been contacted regarding this debt. ? The consumer states they did not receive proper validation. I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes and calls that are associated with the file. Upon conclusion of my internal investigation, I determined the following: ? Our initial contact letter, which contains all required validation and disclosures, was sent via mail to consumer on 12/30/2016. This letter was sent to the address which consumer verifies as correct in this complaint. A second letter was sent to the same address on 3/2/2017. ? Our office attempted to contact consumer via telephone at the number which consumer has provided in this complaint on 1/20/2017. We were informed by an unidentified female that this was not a correct contact number for consumer. ? We received a dispute from consumer via email on 3/6/2017. This dispute was logged and a verification of debt was requested from creditor on consumer’s behalf and at their request. That verification was sent to the same verified address for the consumer on 3/13/2017. ? To date we have received no return mail from consumer’s address, and the consumer is stating that the address is correct in this complaint. ? If the consumer wishes to submit any documentation that supports this debt not being theirs, it can be submitted 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. 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
Thank you for your inquiry. This information was sent to the Chief Operating Officer to review the calls and address as appropriate. He did call the consumer and discussed the account as requested. We also have the statement on order to email today.The account will remain in a...
dispute hold at this time to resolve the issues.Kimberly E[redacted]Phoenix Financial Services LLC
PLEASE SEE OUR RESPONSE...
ATTACHEDJune 9, 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 May 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 these charges are in error. ? The consumer states they were covered by insurance and that it was not billed correctly. 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 received a complaint in our office from consumer, with insurance information attached. ? That complaint was forwarded to the creditor and is being reviewed. ? Final status of this account is determined by the creditor and will be carried out once we have received their assessment. 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 attached our response to this complaint.Kimberly E[redacted]Phoenix Financial Services...
LLCAugust 18, 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] [redacted] on August 12, 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 credit bureau removal and account closure. 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: ? This complaint was sent to our client to review. ? We have closed this account in our system and sent a deletion request to the credit bureaus. The credit reporting deletion confirmation is [redacted]. 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