The account has not been shown to be inaccurate or invalid However, in order to maintain a better consumer experience, and close the complaint, we are sending a request for credit deletion
Thank you, please find our response attached.Kimberly E [redacted] Phoenix Financial Services, LLCAugust 31, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID [redacted] Ms***, Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 25, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer states the balance was written off after an insurance paymentI 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 filesUpon conclusion of my internal investigation, I determined the following: ? We received a duplicate complaint at our office and have already submitted to our client to review? The account will remain in a hold status due to dispute at this timeOnce resolved, the consumer will be notified then the account placed back in a cease communication status at the consumer’s requestI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be of further assistanceCalls may be monitored or recorded for quality and compliance purposesFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E [redacted] , CompliancePO Box 361450; Indianapolis, IN | 855-342-
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/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 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 follas an agency.Kimberly [redacted] Phoenix Financial Services LLC
Please find attached our response to this complaint.Kimberly E [redacted] Phoenix Financial Services LLCAugust 18, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID [redacted] Ms***, Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 12, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer requests credit bureau removal and account closureI 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 filesUpon 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 bureausThe credit reporting deletion confirmation is [redacted] I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be of further assistanceCalls may be monitored or recorded for quality and compliance purposesFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E [redacted] , CompliancePO Box 361450; Indianapolis, IN | 855-342-
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below.I have received this exact same response from the company on numerous occasions "I have requested a verification of debt from the creditorThis will be sent to the consumer once it is received."This has never been done I have never received anything from the original creditor."We show no verbal communication in our office with consumer." This company is impossible to communicate with They do not listen, they are not honest, they are rude and they do not cooperate That is why I am complaining, again."If consumer would like to submit insurance information for this matter it can be sent to [email protected]." The time period to submit this claim to insurance has passed I was never able to submit this to my insurance because I have never received a copy of the original bill They will not follow through on what they say in this letter They never have Regards, [redacted] ***
Thank you for the feedback While we do not find any legal or regulatory violations and did not charge any fees to the consumer, we do feel that the agent should have provided better service and alerted the consumer to the mistake and second transaction prior to processing.Therefore, I have refunded the second transaction of $with a refund reference # of [redacted] We will cover this payment and have sent a removal request to the credit bureaus to have the account deleted from credit reporting.We apologize for the inconvenience.Kimberly E [redacted] Phoenix Financial Services LLC
Please see our response... attached.February 9,2017 BBB 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
Please find our response attached.Thank you,Kimberly E***Phoenix Financial Services
LLC July 24, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on July 20, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer states items are not able to removed from a credit report once reported? The consumer requests additional documentation regarding the account? The consumer states the date was reported incorrectlyI personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the fileUpon conclusion of my internal investigation, I determined the following: ? The agency reporting the account is able to remove or revise credit reporting at any timePhoenix Financial Services, LLC is able to delete reporting from its office for accounts that it has previously reported? I have ordered a verification of debt for this account from the creditorIt will be mailed to the consumer once it is received? The reporting date visible to the consumer currently is the date reported to the bureausWe also report the origination date from 8/1/2011, which the bureaus use to determine how long to remain on the credit reportThis information is available on the user’s official credit report but will not be visible using certain applications or free servicesI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at ke***@phoenixfinancialsvcs.com if I can be of further assistanceFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Being that these accounts have not been validated and are in dispute, then they need to be removed from my credit reportAs I mentioned before, they were already removed from my credit report with ***Resolution Services and you reporting these accounts on my credit report without proper cause is a violation of the Fair Debt Collection Practices ActPlease remove from my credit report ASAP and send me a letter stating it will be deleted.
Regards,
*** ***
CONSUMER'S CONTINUED DISPUTE IS THAT WE DID NOT DO WHAT WAS ASKED HOWEVER, WE PROVIDED A CONTROL NUMBER AS PROOF THAT WE HAVE REQUESTED CREDIT REMOVAL WE DO NOT CONTROL CREDIT BUREAU INFORMATION AND THEREFORE HAVE DONE EVERYTHING TO THE EXTENT OF OUR ABILITIES TO ADDRESS THE CONSUMER'S COMPLAINT WE FEEL THAT THE CONSUMER'S DISPUTE NOW LIES WITH A DIFFERENT ENTITY
Revdex.com:Please forward the letter from phoenix that was offered to me to clear this error on my reportIf Phoenix did not report this then their client Pendrick Capital didAttached is the information stating this account is in collections
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meThank you so very much for your help in this matter
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this response/resolution is satisfactory to me.
Regards,
*** ***
PLEASE SEE OUR RESPONSE
ATTACHEDJune 27, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on June 22, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon 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 debt was paid by insurance? The consumer states they have contacted us about this previouslyI personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the fileUpon conclusion of my internal investigation, I determined the following: ? We received a letter requesting validation on 6/23/At that time, a request was entered for a verification of debt from the creditorIt will be mailed to the consumer once it is received? That correspondence made no mention of insurance payment? Consumer can submit insurance information to [email protected] submitted we can forward the information to the creditor for reviewI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.com if I can be of further assistanceFederal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-6567 This communication is from a debt collection agencyThis is an attempt to collect a debt and any information obtained will be used for that purposeOur Office Hours are Mon-Thur 9am-9pm, EST and Fri 9am-5pm, EST
Thank you, the initial letter sent on the account was sent on 5/2/2017. Additionally, the additional documentation requested was received from the creditor and sent to the consumer via postal mail on 7/18/However, I will re-send a copy of this documentation to the consumer for their review.Further, the credit reporting was previously sent for deletion due to a dispute on the account.Thank you,Kimberly E***, CCOPhoenix Financial Services, LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The previously reply from the creditor stated that this was deleted from the credit bureaus previously It was my understanding that a debt couldn't be added back the credit report especially when it was proven to be inaccurate
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.If Phoenix cannot produce a signed contract by me the consumer, it must be removed from my credit remove from my creditThey put And a on my credit as a new loanI am requesting that Phoenix produce a signed contractif both balances are not removes from my credit will contact the cfpb and the attorney general.
Regards,
*** ***
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on December 11,
We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore,
we respect the laws and the state and federal agencies
that oversee complianceI 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*** believes the account is a scam and has issued a written refusal to pay
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 have had one conversation with Ms***, in which she informed us of her refusal to payA request
has been placed to send a statement to Ms*** to verify the account
I have also placed the account in a cease communications status and added Ms***’s phone number to
this agency’s internal Never Call List
Phoenix Financial Services LLC has not reported the account to any credit bureaus due to having the account
less than thirty days
I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be
of further assistanceCalls may be monitored or recorded for quality and compliance purposes
Sincerely,
Kimberly *** 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 ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
The account has not been shown to be inaccurate or invalid However, in order to maintain a better consumer experience, and close the complaint, we are sending a request for credit deletion
Thank you, please find our response attached.Kimberly E [redacted] Phoenix Financial Services, LLCAugust 31, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID [redacted] Ms***, Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 25, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer states the balance was written off after an insurance paymentI 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 filesUpon conclusion of my internal investigation, I determined the following: ? We received a duplicate complaint at our office and have already submitted to our client to review? The account will remain in a hold status due to dispute at this timeOnce resolved, the consumer will be notified then the account placed back in a cease communication status at the consumer’s requestI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be of further assistanceCalls may be monitored or recorded for quality and compliance purposesFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E [redacted] , CompliancePO Box 361450; Indianapolis, IN | 855-342-
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/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 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 follas an agency.Kimberly [redacted] Phoenix Financial Services LLC
Please find attached our response to this complaint.Kimberly E [redacted] Phoenix Financial Services LLCAugust 18, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID [redacted] Ms***, Please accept this letter as sufficient response to an inquiry I received regarding [redacted] on August 12, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer requests credit bureau removal and account closureI 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 filesUpon 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 bureausThe credit reporting deletion confirmation is [redacted] I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be of further assistanceCalls may be monitored or recorded for quality and compliance purposesFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E [redacted] , CompliancePO Box 361450; Indianapolis, IN | 855-342-
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below.I have received this exact same response from the company on numerous occasions "I have requested a verification of debt from the creditorThis will be sent to the consumer once it is received."This has never been done I have never received anything from the original creditor."We show no verbal communication in our office with consumer." This company is impossible to communicate with They do not listen, they are not honest, they are rude and they do not cooperate That is why I am complaining, again."If consumer would like to submit insurance information for this matter it can be sent to [email protected]." The time period to submit this claim to insurance has passed I was never able to submit this to my insurance because I have never received a copy of the original bill They will not follow through on what they say in this letter They never have Regards, [redacted] ***
Thank you for the feedback While we do not find any legal or regulatory violations and did not charge any fees to the consumer, we do feel that the agent should have provided better service and alerted the consumer to the mistake and second transaction prior to processing.Therefore, I have refunded the second transaction of $with a refund reference # of [redacted] We will cover this payment and have sent a removal request to the credit bureaus to have the account deleted from credit reporting.We apologize for the inconvenience.Kimberly E [redacted] Phoenix Financial Services LLC
Please see our response... attached.February 9,2017 BBB 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
Please find our response attached.Thank you,Kimberly E***Phoenix Financial Services
LLC July 24, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on July 20, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon review of your inquiry, I determined that the following concern was raised: ? The consumer states items are not able to removed from a credit report once reported? The consumer requests additional documentation regarding the account? The consumer states the date was reported incorrectlyI personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the fileUpon conclusion of my internal investigation, I determined the following: ? The agency reporting the account is able to remove or revise credit reporting at any timePhoenix Financial Services, LLC is able to delete reporting from its office for accounts that it has previously reported? I have ordered a verification of debt for this account from the creditorIt will be mailed to the consumer once it is received? The reporting date visible to the consumer currently is the date reported to the bureausWe also report the origination date from 8/1/2011, which the bureaus use to determine how long to remain on the credit reportThis information is available on the user’s official credit report but will not be visible using certain applications or free servicesI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at ke***@phoenixfinancialsvcs.com if I can be of further assistanceFederal law requires me to inform you that this communication is from a debt collectorSincerely, Kimberly E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Being that these accounts have not been validated and are in dispute, then they need to be removed from my credit reportAs I mentioned before, they were already removed from my credit report with ***Resolution Services and you reporting these accounts on my credit report without proper cause is a violation of the Fair Debt Collection Practices ActPlease remove from my credit report ASAP and send me a letter stating it will be deleted.
Regards,
*** ***
CONSUMER'S CONTINUED DISPUTE IS THAT WE DID NOT DO WHAT WAS ASKED HOWEVER, WE PROVIDED A CONTROL NUMBER AS PROOF THAT WE HAVE REQUESTED CREDIT REMOVAL WE DO NOT CONTROL CREDIT BUREAU INFORMATION AND THEREFORE HAVE DONE EVERYTHING TO THE EXTENT OF OUR ABILITIES TO ADDRESS THE CONSUMER'S COMPLAINT WE FEEL THAT THE CONSUMER'S DISPUTE NOW LIES WITH A DIFFERENT ENTITY
Revdex.com:Please forward the letter from phoenix that was offered to me to clear this error on my reportIf Phoenix did not report this then their client Pendrick Capital didAttached is the information stating this account is in collections
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meThank you so very much for your help in this matter
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this response/resolution is satisfactory to me.
Regards,
*** ***
PLEASE SEE OUR RESPONSE
ATTACHEDJune 27, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on June 22, We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore, we respect the laws and the state and federal agencies that oversee complianceI appreciate this issue being brought to my attentionPhoenix Financial Services LLC is a third party collection agencyUpon 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 debt was paid by insurance? The consumer states they have contacted us about this previouslyI personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the fileUpon conclusion of my internal investigation, I determined the following: ? We received a letter requesting validation on 6/23/At that time, a request was entered for a verification of debt from the creditorIt will be mailed to the consumer once it is received? That correspondence made no mention of insurance payment? Consumer can submit insurance information to [email protected] submitted we can forward the information to the creditor for reviewI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.com if I can be of further assistanceFederal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-6567 This communication is from a debt collection agencyThis is an attempt to collect a debt and any information obtained will be used for that purposeOur Office Hours are Mon-Thur 9am-9pm, EST and Fri 9am-5pm, EST
Thank you, the initial letter sent on the account was sent on 5/2/2017. Additionally, the additional documentation requested was received from the creditor and sent to the consumer via postal mail on 7/18/However, I will re-send a copy of this documentation to the consumer for their review.Further, the credit reporting was previously sent for deletion due to a dispute on the account.Thank you,Kimberly E***, CCOPhoenix Financial Services, LLC
This account is closed in our office A request for credit removal has already been submitted The account will revert to the creditor Thank you
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The previously reply from the creditor stated that this was deleted from the credit bureaus previously It was my understanding that a debt couldn't be added back the credit report especially when it was proven to be inaccurate
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.If Phoenix cannot produce a signed contract by me the consumer, it must be removed from my credit remove from my creditThey put And a on my credit as a new loanI am requesting that Phoenix produce a signed contractif both balances are not removes from my credit will contact the cfpb and the attorney general.
Regards,
*** ***
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on December 11,
We at Phoenix Financial Services LLC strive to deliver professional and friendly service to all consumersFurthermore,
we respect the laws and the state and federal agencies
that oversee complianceI 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*** believes the account is a scam and has issued a written refusal to pay
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 have had one conversation with Ms***, in which she informed us of her refusal to payA request
has been placed to send a statement to Ms*** to verify the account
I have also placed the account in a cease communications status and added Ms***’s phone number to
this agency’s internal Never Call List
Phoenix Financial Services LLC has not reported the account to any credit bureaus due to having the account
less than thirty days
I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at 855-342-if I can be
of further assistanceCalls may be monitored or recorded for quality and compliance purposes
Sincerely,
Kimberly *** 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 ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***