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 this debt is not owed. 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. It will be sent to the consumer’s verified address once it is received. ? If the consumer would like to submit documentation supporting this debt not being owed, 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
Thank you for your inquiry. Phoenix is a third-party debt collector. We do not purchase or otherwise "pick up" debts, all accounts are placed by the creditor with our office for collections. Notices are sent on all accounts prior to credit reporting as required by law. Notice was sent on this account on 4/13/17. However, credit reporting has already been removed due to dispute and additional documentation requested to be sent to the consumer for their review.Thank you,Kimberly E[redacted], CCOPhoenix Financial Services
Thank you for your inquiry. We do show a letter sent on the account on 5/2/2017 as well as a telephone conversation with the spouse on 6/14/2017 at a phone number ending in [redacted]. The original complaint does state a telephone conversation took place, so perhaps there is confusion on the complaint this response is attached to. Additionally, Phoenix Financial Services, LLC is a third-party debt collector and does not purchase or otherwise acquire accounts. Accounts are owned by the creditor and placed and Phoenix Financial Services, LLC for collection.However, we do show the credit reporting was removed due to dispute previously.Thank you,Kimberly E[redacted], CCOPhoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on December 10, 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:
Ms. [redacted] states her information was given to a third party.
Ms. [redacted] states she had insurance on the date of service.?
Ms. [redacted] requests correction to a 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:
?
We do not see any conversations on the account with a third party or information given to anyone otherthan the account-holder. The caller identified herself as the account-holder and we then verified the last four only of the social security number. Additionally, the account-holder then requested a statement be sent and we verified the address she would like the statement sent to as part of the same conversation after identity was established. I have placed the account in a cease calls status to proven any further phone calls on this account.
?
I sent this complaint to the client to review for the insurance/billing dispute as no insurance was listed by
the facility. The account will remain on hold until resolved. If the consumer has a copy of the card covering the date of service, that would help facilitate resolution.
?
Phoenix Financial Services LLC has not reported the account to any credit bureaus. I have also blocked anyfuture credit reporting on this account.
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
March 16, 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 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: ? The consumer states they received a letter disclosing a debt. ? The consumer states that said letter was a violation of HIPAA law. I personally conducted an internal investigation, which consisted of the following: ? I reviewed our system for matches of any information contained in consumer’s complaint. ? I am unable to locate an account based on the information sent by consumer. This includes the address and phone number consumer has provided. ? We request that consumer send information by which we can identify an open account in our system. Information such as, the address the letter was received at, or even a copy of the letter we sent. The requested information could be submitted to [email protected]. We will be able to address the complaint once that information is received. 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 the feedback. Our Chief Operations Officer called the consumer to discuss this account and has worked out a resolution. A credit reporting deletion has been requested and the settlement is being honored. Kimberly E[redacted]Phoenix Financial Services LLC
ATTACHEDNovember 8, 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 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: ? Consumer states they do not wish to receive calls from our agency. ? Consumer states they wish to have this debt 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: ? This account has been placed in a cease hold and marked to not receive phone calls. ? A verification of debt has been requested from the creditor. It will be mailed to 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 accept this letter as sufficient response to an inquiry I received regarding [redacted] on November 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 there was no prior notice of the account before credit reporting.The consumer states insurance has paid all balances.The consumer requests deletion of credit reporting 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 account was placed with Phoenix on 9/8/16. A letter informing the consumer of the account balance and validation details was sent on 9/12/16. We have no insurance payments listed on the account.We did receive a voicemail from the consumer on 11/21/16 and attempted to call the consumer back with no answer.However, the Client has authorized us to close and return these accounts and delete any credit reporting at this time in the interest of consumer service.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], Compliance
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on April 19, 2017.We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that...
oversee compliance. I appreciate this issue being brought to my attention.Phoenix Financial Services LLC is a third party collection agency.Upon review of your inquiry, I determined that the following concern was raised:The consumer states they are not responsible for this debt.The consumer states they have submitted proof of this claim.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 tiles.Upon conclusion of my internal investigation, I determined the following:The consumer is correct in stating that he has submitted documents as proof of prior payment on this account.At the time of receiving this complaint, only a week of time had passed since we received the,information from the consumer.The information sent by the consumer, was properly forwarded to the creditor and we are awaiting their decision based on the information.In order to provide a good customer service experience we have sent a direct request to the credit bureaus for credit deletion. AUD control number [redacted].I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at j[redacted]@phoenixfinanciaisvcs.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 [redacted], Compliance
Thank you for this information. Our Chief Operations Officer did reach out to the consumer and they have worked out a resolution on this complaint agreeable to both parties.Kimberly [redacted]Phoenix Financial Services LLC
Thank you, please find our response attached.Kimberly E[redacted]Phoenix Financial Services LLC• The consumer states the account is past the statute of limitations.•• The consumer requests a cease communication and for the account to be removed from the credit report.The consumer states the account was...
subject to a bankruptcy filing.I personally conducted an internal investigation, which consisted of the following: •• I reviewed this file as well as all notes that are associated with the file.• I sent to the cred• There appears to be some confusion. Phoenix Financial Services, LLC does not litigate accounts.• Due to , the account was not reported to credit.• We were unable to locate a bankruptcy under this information. Please send a copy of the discharge so thatwe maythe process. age• I have placed the account in a cease communication status. There will be no further communications from this agency on this account. January 16, 2017 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 January 13, 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: itor to review.Upon conclusion of my internal investigation, I determined the following: 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
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.
[Provide details of why you are not satisfied with this resolution.]I have spoken to ur manager...
Regards,
[redacted]
We appreciate this feedback. I sent this information to our Chief Operations Officer to review the calls and account notes. We aim for respect and courtesy on all calls with consumers or patients and do not believe we reached it on this account. The COO has contacted the...
consumer and discussed the account and resolution to everyone's satisfaction. Kimberly [redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[I am unable to accept this until the balance has been resolved & removed from collections.]
Regards,
[redacted]
attached.February 9,2017 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 February 3, 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 charges are not valid as presented. ? The consumer states representative was rude and not uninformative. ? The consumer states that they will investigate the matter further and potentially submit a formal dispute. 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 sent to the creditor to review. ? I sent the calls to Chief Operating Officer. Upon conclusion of my internal investigation, I determined the following: ? I have placed the account in a dispute hold, to allow consumer the time needed to submit a formal dispute. ? Per our Chief Operating Officer’s findings, the representative acted within the rules and regulations of our industry. ? I have requested that the creditor mail all relevant information concerning this charge to the creditor. 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.
Regards,
[redacted]
I have phone records that prove they called more than once a day and I did not receive a letter from them within the required time allowed by law. The first contact was on 5/25/16 and the first letter was not printed until 6/7/16.
ATTACHEDSeptember 18, 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 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 is not owed. 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. It will be sent to the consumer’s verified address once it is received. ? If the consumer would like to submit documentation supporting this debt not being owed, 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
THE REQUESTED VERIFICATION OF THIS DEBT HAS BEEN ORDERED PER CONSUMER'S REQUEST. ONCE IT IS AVAILABLE TO US WE WILL PROVIDE IT TO THE CONSUMER. VALIDATION HAS BEEN PROVIDED PREVIOUSLY.
Ms. [redacted],
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 19, 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:
Ms. [redacted] requests additional information on 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 to the Chief Operations Officer to review calls. It does appear during the initial call, the consumer
stated that she thought we had the wrong person. Therefore, no information could be given regarding the
account. Although frustrating, legally no information can be revealed to a potential third party.
I have requested additional documentation from the creditor to send to Ms. [redacted] when received.
Though there have been no communications since June 2015, I have placed the account in a cease
communications status in our system to prevent further communications.
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.
Sincerely,
Kimberly [redacted] Compliance
Federal law requires me to inform you that this communication is from a debt collector.
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 reason I reject this response is because the company is in violation of FCRA and my consumer rights. They have had to request said documentation from another party because they aren't sure that the account belongs to me. This is something that I have already told them. How can they report an account and not know whether its my account or not. Meanwhile, they continue to ruin my credit worthiness and state in WRITING- they aren't sure it is mine-by requesting documentation. Delete this account and cease and desist further damaging my credit worthiness.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 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 this debt is not owed. 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. It will be sent to the consumer’s verified address once it is received. ? If the consumer would like to submit documentation supporting this debt not being owed, 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
Thank you for your inquiry. Phoenix is a third-party debt collector. We do not purchase or otherwise "pick up" debts, all accounts are placed by the creditor with our office for collections. Notices are sent on all accounts prior to credit reporting as required by law. Notice was sent on this account on 4/13/17. However, credit reporting has already been removed due to dispute and additional documentation requested to be sent to the consumer for their review.Thank you,Kimberly E[redacted], CCOPhoenix Financial Services
Thank you for your inquiry. We do show a letter sent on the account on 5/2/2017 as well as a telephone conversation with the spouse on 6/14/2017 at a phone number ending in [redacted]. The original complaint does state a telephone conversation took place, so perhaps there is confusion on the complaint this response is attached to. Additionally, Phoenix Financial Services, LLC is a third-party debt collector and does not purchase or otherwise acquire accounts. Accounts are owned by the creditor and placed and Phoenix Financial Services, LLC for collection.However, we do show the credit reporting was removed due to dispute previously.Thank you,Kimberly E[redacted], CCOPhoenix Financial Services LLC
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on December 10, 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:
Ms. [redacted] states her information was given to a third party.
Ms. [redacted] states she had insurance on the date of service.?
Ms. [redacted] requests correction to a 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:
?
We do not see any conversations on the account with a third party or information given to anyone otherthan the account-holder. The caller identified herself as the account-holder and we then verified the last four only of the social security number. Additionally, the account-holder then requested a statement be sent and we verified the address she would like the statement sent to as part of the same conversation after identity was established. I have placed the account in a cease calls status to proven any further phone calls on this account.
?
I sent this complaint to the client to review for the insurance/billing dispute as no insurance was listed by
the facility. The account will remain on hold until resolved. If the consumer has a copy of the card covering the date of service, that would help facilitate resolution.
?
Phoenix Financial Services LLC has not reported the account to any credit bureaus. I have also blocked anyfuture credit reporting on this account.
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
March 16, 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 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: ? The consumer states they received a letter disclosing a debt. ? The consumer states that said letter was a violation of HIPAA law. I personally conducted an internal investigation, which consisted of the following: ? I reviewed our system for matches of any information contained in consumer’s complaint. ? I am unable to locate an account based on the information sent by consumer. This includes the address and phone number consumer has provided. ? We request that consumer send information by which we can identify an open account in our system. Information such as, the address the letter was received at, or even a copy of the letter we sent. The requested information could be submitted to [email protected]. We will be able to address the complaint once that information is received. 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 the feedback. Our Chief Operations Officer called the consumer to discuss this account and has worked out a resolution. A credit reporting deletion has been requested and the settlement is being honored. Kimberly E[redacted]Phoenix Financial Services LLC
PLEASE SEE OUR RESPONSE...
ATTACHEDNovember 8, 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 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: ? Consumer states they do not wish to receive calls from our agency. ? Consumer states they wish to have this debt 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: ? This account has been placed in a cease hold and marked to not receive phone calls. ? A verification of debt has been requested from the creditor. It will be mailed to 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 accept this letter as sufficient response to an inquiry I received regarding [redacted] on November 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 there was no prior notice of the account before credit reporting.The consumer states insurance has paid all balances.The consumer requests deletion of credit reporting 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 account was placed with Phoenix on 9/8/16. A letter informing the consumer of the account balance and validation details was sent on 9/12/16. We have no insurance payments listed on the account.We did receive a voicemail from the consumer on 11/21/16 and attempted to call the consumer back with no answer.However, the Client has authorized us to close and return these accounts and delete any credit reporting at this time in the interest of consumer service.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], Compliance
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on April 19, 2017.We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumers. Furthermore, we respect the laws and the state and federal agencies that...
oversee compliance. I appreciate this issue being brought to my attention.Phoenix Financial Services LLC is a third party collection agency.Upon review of your inquiry, I determined that the following concern was raised:The consumer states they are not responsible for this debt.The consumer states they have submitted proof of this claim.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 tiles.Upon conclusion of my internal investigation, I determined the following:The consumer is correct in stating that he has submitted documents as proof of prior payment on this account.At the time of receiving this complaint, only a week of time had passed since we received the,information from the consumer.The information sent by the consumer, was properly forwarded to the creditor and we are awaiting their decision based on the information.In order to provide a good customer service experience we have sent a direct request to the credit bureaus for credit deletion. AUD control number [redacted].I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at j[redacted]@phoenixfinanciaisvcs.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 [redacted], Compliance
Thank you for this information. Our Chief Operations Officer did reach out to the consumer and they have worked out a resolution on this complaint agreeable to both parties.Kimberly [redacted]Phoenix Financial Services LLC
Thank you, please find our response attached.Kimberly E[redacted]Phoenix Financial Services LLC• The consumer states the account is past the statute of limitations.•• The consumer requests a cease communication and for the account to be removed from the credit report.The consumer states the account was...
subject to a bankruptcy filing.I personally conducted an internal investigation, which consisted of the following: •• I reviewed this file as well as all notes that are associated with the file.• I sent to the cred• There appears to be some confusion. Phoenix Financial Services, LLC does not litigate accounts.• Due to , the account was not reported to credit.• We were unable to locate a bankruptcy under this information. Please send a copy of the discharge so thatwe maythe process. age• I have placed the account in a cease communication status. There will be no further communications from this agency on this account. January 16, 2017 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 January 13, 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: itor to review.Upon conclusion of my internal investigation, I determined the following: 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
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.
[Provide details of why you are not satisfied with this resolution.]I have spoken to ur manager...
Regards,
[redacted]
We appreciate this feedback. I sent this information to our Chief Operations Officer to review the calls and account notes. We aim for respect and courtesy on all calls with consumers or patients and do not believe we reached it on this account. The COO has contacted the...
consumer and discussed the account and resolution to everyone's satisfaction. Kimberly [redacted]Phoenix Financial Services LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[I am unable to accept this until the balance has been resolved & removed from collections.]
Regards,
[redacted]
Please see our response...
attached.February 9,2017 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 February 3, 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 charges are not valid as presented. ? The consumer states representative was rude and not uninformative. ? The consumer states that they will investigate the matter further and potentially submit a formal dispute. 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 sent to the creditor to review. ? I sent the calls to Chief Operating Officer. Upon conclusion of my internal investigation, I determined the following: ? I have placed the account in a dispute hold, to allow consumer the time needed to submit a formal dispute. ? Per our Chief Operating Officer’s findings, the representative acted within the rules and regulations of our industry. ? I have requested that the creditor mail all relevant information concerning this charge to the creditor. 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.
Regards,
[redacted]
I have phone records that prove they called more than once a day and I did not receive a letter from them within the required time allowed by law. The first contact was on 5/25/16 and the first letter was not printed until 6/7/16.
PLEASE SEE OUR RESPONSE...
ATTACHEDSeptember 18, 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 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 is not owed. 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. It will be sent to the consumer’s verified address once it is received. ? If the consumer would like to submit documentation supporting this debt not being owed, 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
THE REQUESTED VERIFICATION OF THIS DEBT HAS BEEN ORDERED PER CONSUMER'S REQUEST. ONCE IT IS AVAILABLE TO US WE WILL PROVIDE IT TO THE CONSUMER. VALIDATION HAS BEEN PROVIDED PREVIOUSLY.
Ms. [redacted],
Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 19, 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:
Ms. [redacted] requests additional information on 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 to the Chief Operations Officer to review calls. It does appear during the initial call, the consumer
stated that she thought we had the wrong person. Therefore, no information could be given regarding the
account. Although frustrating, legally no information can be revealed to a potential third party.
I have requested additional documentation from the creditor to send to Ms. [redacted] when received.
Though there have been no communications since June 2015, I have placed the account in a cease
communications status in our system to prevent further communications.
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.
Sincerely,
Kimberly [redacted] Compliance
Federal law requires me to inform you that this communication is from a debt collector.
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 reason I reject this response is because the company is in violation of FCRA and my consumer rights. They have had to request said documentation from another party because they aren't sure that the account belongs to me. This is something that I have already told them. How can they report an account and not know whether its my account or not. Meanwhile, they continue to ruin my credit worthiness and state in WRITING- they aren't sure it is mine-by requesting documentation. Delete this account and cease and desist further damaging my credit worthiness.Regards,[redacted]