Thank you, this is a duplicate complaint of an email received. I have attached our email response to the consumer.Kimberly E***Phoenix Financial Services LLC
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 accept this letter as sufficient response to an inquiry I received regarding *** *** on November 16, 2016.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:The consumer states they submitted a request for information with no response.The consumer states the telephone number provided does not work.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:We did receive an email request for more information on November 7, In response, the verification documents were mailed on November 11, However, I do show a different address on the complaint than in our system so the documentation may not have been receivedI sent a new copy to the address on the complaint for the consumer's review.Due to the different address possibly delaying the documentation, I have sent a request for credit reporting deletion to the credit bureausThe confirmation number is ***.We have had some occasional temporary telephone outages due to service provider nation-wide outage over the last two weeks that has resulted in some missed or dropped callsWe do regret any missed calls and we believe the system errors have been resolved by the service provider.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 maybe monitored or recorded for quality and compliance purposes.Federal law requires me to inform you that this communication is from a debt collectorSincerely,Kimberly E***, Compliance
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.They stated that a letter was mailed to me which is not correctCan they provide a address that this was sent to? I am requesting that this is removed from collections on my credit report, until this is proven valid I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay youIf your offices are able to provide the proper documentation as requested, I will require at least days to investigate this information and during such time all collection activity must cease and desist.Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counselThis includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it isIf your offices fail to respond to this validation request within days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.This is an attempt to correct your records, any information obtained shall be used for that purpose
Regards,
*** ***
March 14, 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 March 13, 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: ? Consumer states no notice was sent to inform of debtI 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: ? All required disclosures and a full account of this debt were sent to consumer on 1/9/? Said letter was sent to the address that consumer has verified as correct per Revdex.com complaint? I have also requested a verification of this debt from the creditor? Verification will be sent to the address provided by the consumer once it is receivedI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.comFederal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on March 22, 2017.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:The consumer states they are being harassed.The consumer states that they don't owe this debt.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 show no communication on this matter with consumer.The account has been placed in a hold to provide the consumer an opportunity to submit how they feel they have been harassed specifically.I have requested a Verification of Debt from the creditorOnce received it will be mailed to consumer.I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.com if I can be of further assistance.Federal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, Compliance
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,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
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,
*** ***
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
My information was released for me to say yes or no, that is not proper verificationIn this case it had been me but had anyone else answered the line or if you had the wrong number all the person would have to do is say "yes" that's me, "yes" that's my social, "yes" that is my address, etcThat is not proper verification for identification. Regards,*** ***
PLEASE SEE OUR RESPONSE
ATTACHEDJuly 31, 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 24, 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 do not owe this debt? The consumer states they requested a verification of debt? The consumer states they did not receive a satisfactory verification of debtI 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 show no previous request for verification of this account? I have requested a verification of debt from the clientIt will be mailed to consumer’s verified address once it is received? If consumer would like to submit documentation supporting their claims, it can be sent to [email protected] 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-
Please find our response attached.Thank you,Kimberly E***, CCOPhoenix Financial Services LLC, July
24Revdex.com NDelaware St#Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on July 18, 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 that the debt is being credit reported in error.I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file.Upon conclusion of my internal investigation, I determined the following: ? The initial communication on the three accounts notifying the consumer of the accounts to be creditreported was sent on 3/13/No communications were received until the dispute filed the same day asthis complaint with the Revdex.com.? Additional documentation has been requested from the creditor to send to the consumer on this account.? Phoenix Financial Services, LLC does not purchase or otherwise acquire accountsAll accounts are placed bythe valid legal creditor with this agency for collections.I 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-
PLEASE SEE OUR RESPONSE
ATTACHEDJune 21, 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 14, 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 debt is not theirs/not owed? The consumer states this debt has been purchased by our office? The consumer states there was no communication sent before credit reportingI 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 do not purchase, nor do we sell accountsAfter reviewing the call recording, there was no mention of this debt being sold or purchased? Our initial letter was sent to the consumer on 5/3/2017, and contained all required disclosures and validationsThat letter was sent to the consumer’s verified address? I have requested a verification of debt from the creditorIt will be mailed to the consumer once it is receivedI 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-
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on April 27, 2017.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:The consumer states that a right to dispute notice was not sentI 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:Our initial letter was sent to the consumer on 11/04/This letter contained all required disclosures and validationThis includes the consumer's notice of right to dispute.The letter was sent to the address that the consumer has verified as correct in this complaint.If the consumer believes that this account is not owed, and would like to submit proof of such, it can be sent to [email protected] hope that this sufficiently addresses your concerns; however,! encourage you to contact me at je***@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***, Compliance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I do not have a contract with this company and never signed a legal binding contract with them, therefore they should not be able to add to my credit.]
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
ATTACHEDNovember 22, 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 November 13, 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: ? Consumer states they have no knowledge of this debt? Consumer requests a cease in communicationsI 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 account has been placed in a cease hold? A verification of debt has been requested from the creditorIt will be mailed to consumer once it has been receivedI 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
Please find attached our response.Thank you,Kimberly E***Phoenix Financial Services
LLCAugust 23, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Ms***, Please accept this letter as sufficient response to an inquiry I received regarding *** *** on August 18, 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 need more information to research this account? The consumer requests credit reporting removalI 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: ? I have requested additional information from the client to be sent to the consumer once received? I do not show the account has been reported to any credit bureaus at this timeCredit reporting has been blocked to resolve this disputeI 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***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
PLEASE SEE OUR RESPONSE
ATTACHEDSeptember 18, 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 *** ***r on September 14, 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: ? Consumer states this debt is not owedI 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: ? I have requested a verification of debt from the creditorIt 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] 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-
Please find our response attached.Kimberly E***Phoenix Financial Services
LLCFebruary 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 February 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: ? Consumer states that information was disclosed to a third party? Consumer states that account is a result of identity theft? Consumer requests a deletion of credit reportingI 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 have sent the account to be reviewed by the creditor and the Chief Operations OfficerUpon conclusion of my internal investigation, I determined the following: ? Complaint is a duplicate as filed against the creditor and responded to by the creditor as well? We show no violations of any collection lawsThe caller purported to be a spouse, verified account details prior to disclosure, and received all legally required disclosures from this agencyIn a previous call, the account holder acknowledged the account and did acknowledge giving the caller permission to call us to discuss when contacted regarding the complaint? The Chief Operations Officer called to discuss this with the consumer and advised that even though we show no violations, we will remove from credit reporting in the interest of customer service if consumer would consider the complaint satisfiedIt was agreed and the credit reporting has been requested to be deletedI 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 collector and any information obtained may be used to collect the debtSincerely, Kimberly E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
Thank you, this is a duplicate complaint of an email received. I have attached our email response to the consumer.Kimberly E***Phoenix Financial Services LLC
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 accept this letter as sufficient response to an inquiry I received regarding *** *** on November 16, 2016.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:The consumer states they submitted a request for information with no response.The consumer states the telephone number provided does not work.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:We did receive an email request for more information on November 7, In response, the verification documents were mailed on November 11, However, I do show a different address on the complaint than in our system so the documentation may not have been receivedI sent a new copy to the address on the complaint for the consumer's review.Due to the different address possibly delaying the documentation, I have sent a request for credit reporting deletion to the credit bureausThe confirmation number is ***.We have had some occasional temporary telephone outages due to service provider nation-wide outage over the last two weeks that has resulted in some missed or dropped callsWe do regret any missed calls and we believe the system errors have been resolved by the service provider.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 maybe monitored or recorded for quality and compliance purposes.Federal law requires me to inform you that this communication is from a debt collectorSincerely,Kimberly E***, Compliance
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.They stated that a letter was mailed to me which is not correctCan they provide a address that this was sent to? I am requesting that this is removed from collections on my credit report, until this is proven valid I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay youIf your offices are able to provide the proper documentation as requested, I will require at least days to investigate this information and during such time all collection activity must cease and desist.Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counselThis includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it isIf your offices fail to respond to this validation request within days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.This is an attempt to correct your records, any information obtained shall be used for that purpose
Regards,
*** ***
March 14, 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 March 13, 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: ? Consumer states no notice was sent to inform of debtI 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: ? All required disclosures and a full account of this debt were sent to consumer on 1/9/? Said letter was sent to the address that consumer has verified as correct per Revdex.com complaint? I have also requested a verification of this debt from the creditor? Verification will be sent to the address provided by the consumer once it is receivedI hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.comFederal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on March 22, 2017.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:The consumer states they are being harassed.The consumer states that they don't owe this debt.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 show no communication on this matter with consumer.The account has been placed in a hold to provide the consumer an opportunity to submit how they feel they have been harassed specifically.I have requested a Verification of Debt from the creditorOnce received it will be mailed to consumer.I hope that this sufficiently addresses your concerns; however, I encourage you to contact me at je***@phoenixfinancialsvcs.com if I can be of further assistance.Federal law requires me to inform you that this communication is from a debt collectorSincerely, Justin E***, Compliance
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,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me.
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,
*** ***
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
My information was released for me to say yes or no, that is not proper verificationIn this case it had been me but had anyone else answered the line or if you had the wrong number all the person would have to do is say "yes" that's me, "yes" that's my social, "yes" that is my address, etcThat is not proper verification for identification. Regards,*** ***
PLEASE SEE OUR RESPONSE
ATTACHEDJuly 31, 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 24, 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 do not owe this debt? The consumer states they requested a verification of debt? The consumer states they did not receive a satisfactory verification of debtI 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 show no previous request for verification of this account? I have requested a verification of debt from the clientIt will be mailed to consumer’s verified address once it is received? If consumer would like to submit documentation supporting their claims, it can be sent to [email protected] 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-
Please find our response attached.Thank you,Kimberly E***, CCOPhoenix Financial Services LLC, July
24Revdex.com NDelaware St#Indianapolis, IN 46204-ID *** Please accept this letter as sufficient response to an inquiry I received regarding *** *** on July 18, 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 that the debt is being credit reported in error.I personally conducted an internal investigation, which consisted of the following: ? I reviewed this file as well as all notes that are associated with the file.Upon conclusion of my internal investigation, I determined the following: ? The initial communication on the three accounts notifying the consumer of the accounts to be creditreported was sent on 3/13/No communications were received until the dispute filed the same day asthis complaint with the Revdex.com.? Additional documentation has been requested from the creditor to send to the consumer on this account.? Phoenix Financial Services, LLC does not purchase or otherwise acquire accountsAll accounts are placed bythe valid legal creditor with this agency for collections.I 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-
PLEASE SEE OUR RESPONSE
ATTACHEDJune 21, 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 14, 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 debt is not theirs/not owed? The consumer states this debt has been purchased by our office? The consumer states there was no communication sent before credit reportingI 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 do not purchase, nor do we sell accountsAfter reviewing the call recording, there was no mention of this debt being sold or purchased? Our initial letter was sent to the consumer on 5/3/2017, and contained all required disclosures and validationsThat letter was sent to the consumer’s verified address? I have requested a verification of debt from the creditorIt will be mailed to the consumer once it is receivedI 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-
Please accept this letter as sufficient response to an inquiry I received regarding *** *** on April 27, 2017.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:The consumer states that a right to dispute notice was not sentI 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:Our initial letter was sent to the consumer on 11/04/This letter contained all required disclosures and validationThis includes the consumer's notice of right to dispute.The letter was sent to the address that the consumer has verified as correct in this complaint.If the consumer believes that this account is not owed, and would like to submit proof of such, it can be sent to [email protected] hope that this sufficiently addresses your concerns; however,! encourage you to contact me at je***@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***, Compliance
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I do not have a contract with this company and never signed a legal binding contract with them, therefore they should not be able to add to my credit.]
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
ATTACHEDNovember 22, 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 November 13, 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: ? Consumer states they have no knowledge of this debt? Consumer requests a cease in communicationsI 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 account has been placed in a cease hold? A verification of debt has been requested from the creditorIt will be mailed to consumer once it has been receivedI 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
Please find attached our response.Thank you,Kimberly E***Phoenix Financial Services
LLCAugust 23, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-ID *** Ms***, Please accept this letter as sufficient response to an inquiry I received regarding *** *** on August 18, 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 need more information to research this account? The consumer requests credit reporting removalI 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: ? I have requested additional information from the client to be sent to the consumer once received? I do not show the account has been reported to any credit bureaus at this timeCredit reporting has been blocked to resolve this disputeI 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***, CompliancePO Box 361450; Indianapolis, IN | 855-342-
PLEASE SEE OUR RESPONSE
ATTACHEDSeptember 18, 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 *** ***r on September 14, 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: ? Consumer states this debt is not owedI 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: ? I have requested a verification of debt from the creditorIt 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] 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-
Please find our response attached.Kimberly E***Phoenix Financial Services
LLCFebruary 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 February 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: ? Consumer states that information was disclosed to a third party? Consumer states that account is a result of identity theft? Consumer requests a deletion of credit reportingI 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 have sent the account to be reviewed by the creditor and the Chief Operations OfficerUpon conclusion of my internal investigation, I determined the following: ? Complaint is a duplicate as filed against the creditor and responded to by the creditor as well? We show no violations of any collection lawsThe caller purported to be a spouse, verified account details prior to disclosure, and received all legally required disclosures from this agencyIn a previous call, the account holder acknowledged the account and did acknowledge giving the caller permission to call us to discuss when contacted regarding the complaint? The Chief Operations Officer called to discuss this with the consumer and advised that even though we show no violations, we will remove from credit reporting in the interest of customer service if consumer would consider the complaint satisfiedIt was agreed and the credit reporting has been requested to be deletedI 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 collector and any information obtained may be used to collect the debtSincerely, Kimberly E***, CompliancePO Box 361450; Indianapolis, IN | 855-342-