Our company operates as a 3rd party collection agency registered and bonded by the Comptroller of the State of Texas. As such, federal and state laws governing the 3rd party collections industry do not require that agencies possess actual credit contracts in their company name in order to be legally sanctioned to communicate with consumers to resolve their debt obligations. On this account our agency is a legal agent of the original creditor and as such is permitted by federal and state law to negotiate and communicate with consumers for the express purpose of collections. When credit reporting, our agency like most others, reports the details of the debt under our company name and lists the original creditor as part of the collections detail. We are able to collect and report in this manner as long as we have a binding service agreement with the original creditor and the creditor has a binding legal contract with the consumer. In this case we have spoken to the individual on several occasions about this collection with [redacted]. Please call [redacted] & she will be happy to assist [redacted].
I have re-researched the documents emailed to [redacted]. I will accept the military orders that you provided. I further authorize removing charges for April and May's rent totaling 998.00 as well as the unlawful move out charge of 424.15. As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,290.65 for past due rent, late charges and cleaning fees. It would be in your best interest to pay this amount right away to avoid further interest being applied to the account. Please call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance due. You can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
The consumer was provided a copy of the charges; $642.00 for cleaning and repairs, $151.93 for utilities, $683.33 for partial November rent, and a $50.00 NSF fee for a total of $1527.26. The apartments deducted $150.00 for the consumers deposit and we added our $50.00 collection fee for a...
final total of $1427.26. IF the consumer has the walk out inspection form which releases him of cleaning and repairs please provide it, the responsibility for asking and doing the walk out inspection falls upon the consumer per the lease the consumer signed. If the consumer has the utilities receipt for the $151.93, please provide it to us. The consumer gave notice on September 16, 2014 the consumer moved out on November 20, 2014, the consumer is being charged for twenty days rent for November, once again the walk out inspection form will have the official date of move out, if the consumer has it and it states and earlier date please provide it to us. The consumer is incorrect we did not purchase the debt from the apartments we have a contract to collect on any debts that the apartments provide to us. In response to the consumers request for a certified mail tracking number, in the State of Texas an apartment or property management group only have to mail a letter through regular mail and only to the forwarding address provided to them by the consumer on the notice of intent to move out form, if not provided the apartments or property management group will mail it to the consumers apartment address which then will be forwarded to the consumer through the United States Postal Service if the consumer has updated their address with them. At this time we will not retract the negative mark on the consumers credit report until the consumer provides proof that the consumer does not owe the debt, as well we will not be sending an apology letter at this time.
Mr. [redacted] we totally understand your situation and as a former bank officer for a top 20 US bank and being in this business for 20 years dealing with the credit bureaus I am trying to tell you that it is the credit bureau(s) that has confused your social security # with someone with a similar name and you should direct your energy towards the credit bureau. Our company is not reporting your social security # which is why we don't have it in our system. You can call my directly and I will be happy to double check for you. Credit bureaus make similar name errors all the time believe me your situation is not unique. I strongly suggest that the fastest way to remedy this situation is by filing an online E-Oscar dispute. This is the same online dispute used by every consumer in the U.S. and is the dispute system that is used almost exclusively by all 3 major bureaus. A Revdex.com complaint will not help you correct your situation because our company can not remove a credit account based on a social security # that is not on our system. If you file an E- Oscar online dispute than we will inform the credit bureaus that you have no account with us and the collection item will be removed. However the bureaus are the only ones with the power to delete credit items.Please feel free to call me and I can perhaps help you further.Thank you,[redacted]COOThe Phoenix Recovery Group[redacted]
Complaint: [redacted]
I am rejecting this response because:
I NEVER SAID I DONT DISPUTE THE PAST DUE BALANCE. My focus was the broken lease and getting that off my rental report and credit. I need debt validation of the entire debt. I also will need this broken lease off on my rental history report. I emailed [redacted] the entire day and told her I am disputing the entire balance. I WILL LIKE DEBT VALIDATION AND STILL HAVENT RECEIVED ANYTHING. You keep saying past due balance and yet hasn't provided proof. The reserves manager put a broken lease on my rental history report and a balance when in fact I DID PROPERLY END MY LEASE. so whose to say the balance is actually factual. I WILL LIKE DEBT VALIDATION. I'm not paying anything I'm not responsible for. AGAIN BY LAW YOU HAVE TO ROVIDE DEBT VALIDATION. You guys have yet to do that. THE BROKEN LEASE TOTALED MORE THAN WHAT YOURE CLAIMING. You have my email address send over the debt validation. I AM DISPUTING THE ENTIRE BALANCE.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debt. They cannot validate this debt due to no signed contract with this business. This debt needs to be removed from my credit file since they are unable to validate
In doing research on this account I noticed that Miss [redacted] made a payment in December 2015. We have been able to communicate with her by the email she provided through the Revdex.com system. A payment arrangement has been made and Miss [redacted] has agreed to make 100.00 monthly payments until...
balance is paid in full. What we hope for is a working phone # as we have tried reaching her by phone and received no answer. We do thank Miss [redacted] for emailing us and confirming her commitment to PRG. I can be reached at [redacted] Thank you. [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:I did not ask for a copy of the original statement. What I asked is for you to CONFIRM what address the original itemized statement was sent to. Since apparently you have all of the information regarding my situation Please CONFIRM the mailing address that the itemized statement was originally mailed to and in a private email will be fine. I am sure it is the address on the letter and if so I need you to confirm that.I will not be calling in because I prefer to have a written record of my conversations. Furthermore your company was the first that I contacted and I questioned the charges and the person I spoke with rattled off a few things and gave me no details and when I asked the reason for the charges you could give me no answers so you can see why that would be a complete waste of my time. Wood Hollow has not responded either. Now what I am disputing are the charges completely since they were not sent to the correct address.
Regards,
[redacted]
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This type of mutual business and legal relationship is permissible under both federal and state rules and is a commonplace arrangement in the 3rd party collection industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We have provided to Ms.[redacted] validation of this debt as required by federal law and have informed the credit bureaus that this debt is "disputed by consumer" for credit reporting purposes. We are willing to work with Ms. [redacted] to resolve this debt on behalf of the client possibly be able to offer a discount and/or settlement of the original balance due. Our office # is ###-###-#### or you can email [redacted].
Upon review of the file from our client for [redacted], she moved in on July 7, 2010 and moved out September 20, 2010. Her contract was in force until 6/30/2011. Much of her fees were due to accelerated rent and interest accumulation. I have adjusted her balance less the accelerated rent and...
waived the interest Her balance today is 3,440.58. Please have her call [redacted] at [redacted] or myself at [redacted]. We would like to discuss a payment plan that will work for Miss [redacted]. Thank you, [redacted]
Complaint: [redacted]
I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party. I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity.
Regards, [redacted]
[redacted]
Complaint: [redacted]
I am rejecting this response because: Business still did not address the fact that there is no evidence to support their claim that they mailed a timely validation. Neither did they address the fact they never ceased collection at any time during the validation period.
Regards,
[redacted]
The debt has never been paid and is over 6 1/2 years old. It is due to fall off your credit report very shortly. Our company feels it has complied with all FCRA, FDCPA, TCPA laws applicable and/or related to validation. Our client will be taking a $2400 loss because of the unpaid debt. We are still willing to work out a settlement and/or resolution to this matter. Please call our offices to do so. Thank you.
Complaint: [redacted]
I am rejecting this response because: I have contacted Me. White and never received any response other than we have 30 days. That was almost 2 years ago. Now that I have involved the Revdex.com they want to take action. They did not respond to me because the wanted to keep me on their rolls
Regards,
[redacted]
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validated. The balance submitted to our collection agency by our client 1203.00. There is an administrative collection agency fee that is added to your balance for 50.00 which brings your balance...
credit reported for total collections as 1203.00. The fees listed from our client has been already sent to you however are for cleaning, carpet damage, rent/October/November,. They applied security deposit and balance owing is 1153.00. This account has been reported accurately as disputed by consumer. All 3 credit bureaus reporting same balance.We did check with our compliance department and licensing is not required because we don't actively pursue collections in the state of Florida. So we are exempt. We consider this consumer dispute as frivolous. Miss [redacted] has disputed this account various ways via through the 3 credit bureaus and through our agency over 10 times. We hope that she can call and we will work with her to come up with a payment arrangement that will work for her. I can be reached at [redacted]. Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Our company operates as a 3rd party collection agency registered and bonded by the Comptroller of the State of Texas. As such, federal and state laws governing the 3rd party collections industry do not require that agencies possess actual credit contracts in their company name in order to be legally sanctioned to communicate with consumers to resolve their debt obligations. On this account our agency is a legal agent of the original creditor and as such is permitted by federal and state law to negotiate and communicate with consumers for the express purpose of collections. When credit reporting, our agency like most others, reports the details of the debt under our company name and lists the original creditor as part of the collections detail. We are able to collect and report in this manner as long as we have a binding service agreement with the original creditor and the creditor has a binding legal contract with the consumer. In this case we have spoken to the individual on several occasions about this collection with [redacted]. Please call [redacted] & she will be happy to assist [redacted].
I have re-researched the documents emailed to [redacted]. I will accept the military orders that you provided. I further authorize removing charges for April and May's rent totaling 998.00 as well as the unlawful move out charge of 424.15. As you agreed on a recorded phone call with [redacted] that you do not dispute the remaining charges of 3,290.65 for past due rent, late charges and cleaning fees. It would be in your best interest to pay this amount right away to avoid further interest being applied to the account. Please call [redacted] at [redacted] or email her at [redacted] to make arrangements on this balance due. You can also call [redacted] at [redacted] or myself at [redacted] Thank you, [redacted]
1. Paragraph 402. Fax ###-###-#### attention [redacted]
The consumer was provided a copy of the charges; $642.00 for cleaning and repairs, $151.93 for utilities, $683.33 for partial November rent, and a $50.00 NSF fee for a total of $1527.26. The apartments deducted $150.00 for the consumers deposit and we added our $50.00 collection fee for a...
final total of $1427.26. IF the consumer has the walk out inspection form which releases him of cleaning and repairs please provide it, the responsibility for asking and doing the walk out inspection falls upon the consumer per the lease the consumer signed. If the consumer has the utilities receipt for the $151.93, please provide it to us. The consumer gave notice on September 16, 2014 the consumer moved out on November 20, 2014, the consumer is being charged for twenty days rent for November, once again the walk out inspection form will have the official date of move out, if the consumer has it and it states and earlier date please provide it to us. The consumer is incorrect we did not purchase the debt from the apartments we have a contract to collect on any debts that the apartments provide to us. In response to the consumers request for a certified mail tracking number, in the State of Texas an apartment or property management group only have to mail a letter through regular mail and only to the forwarding address provided to them by the consumer on the notice of intent to move out form, if not provided the apartments or property management group will mail it to the consumers apartment address which then will be forwarded to the consumer through the United States Postal Service if the consumer has updated their address with them. At this time we will not retract the negative mark on the consumers credit report until the consumer provides proof that the consumer does not owe the debt, as well we will not be sending an apology letter at this time.
Mr. [redacted] we totally understand your situation and as a former bank officer for a top 20 US bank and being in this business for 20 years dealing with the credit bureaus I am trying to tell you that it is the credit bureau(s) that has confused your social security # with someone with a similar name and you should direct your energy towards the credit bureau. Our company is not reporting your social security # which is why we don't have it in our system. You can call my directly and I will be happy to double check for you. Credit bureaus make similar name errors all the time believe me your situation is not unique. I strongly suggest that the fastest way to remedy this situation is by filing an online E-Oscar dispute. This is the same online dispute used by every consumer in the U.S. and is the dispute system that is used almost exclusively by all 3 major bureaus. A Revdex.com complaint will not help you correct your situation because our company can not remove a credit account based on a social security # that is not on our system. If you file an E- Oscar online dispute than we will inform the credit bureaus that you have no account with us and the collection item will be removed. However the bureaus are the only ones with the power to delete credit items.Please feel free to call me and I can perhaps help you further.Thank you,[redacted]COOThe Phoenix Recovery Group[redacted]
Complaint: [redacted]
I am rejecting this response because:
I NEVER SAID I DONT DISPUTE THE PAST DUE BALANCE. My focus was the broken lease and getting that off my rental report and credit. I need debt validation of the entire debt. I also will need this broken lease off on my rental history report. I emailed [redacted] the entire day and told her I am disputing the entire balance. I WILL LIKE DEBT VALIDATION AND STILL HAVENT RECEIVED ANYTHING. You keep saying past due balance and yet hasn't provided proof. The reserves manager put a broken lease on my rental history report and a balance when in fact I DID PROPERLY END MY LEASE. so whose to say the balance is actually factual. I WILL LIKE DEBT VALIDATION. I'm not paying anything I'm not responsible for. AGAIN BY LAW YOU HAVE TO ROVIDE DEBT VALIDATION. You guys have yet to do that. THE BROKEN LEASE TOTALED MORE THAN WHAT YOURE CLAIMING. You have my email address send over the debt validation. I AM DISPUTING THE ENTIRE BALANCE.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I will not do business with this company since they have violated the FDCPA and have no legal recourse to collect on this alleged debt. They cannot validate this debt due to no signed contract with this business. This debt needs to be removed from my credit file since they are unable to validate
In doing research on this account I noticed that Miss [redacted] made a payment in December 2015. We have been able to communicate with her by the email she provided through the Revdex.com system. A payment arrangement has been made and Miss [redacted] has agreed to make 100.00 monthly payments until...
balance is paid in full. What we hope for is a working phone # as we have tried reaching her by phone and received no answer. We do thank Miss [redacted] for emailing us and confirming her commitment to PRG. I can be reached at [redacted] Thank you. [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:I did not ask for a copy of the original statement. What I asked is for you to CONFIRM what address the original itemized statement was sent to. Since apparently you have all of the information regarding my situation Please CONFIRM the mailing address that the itemized statement was originally mailed to and in a private email will be fine. I am sure it is the address on the letter and if so I need you to confirm that.I will not be calling in because I prefer to have a written record of my conversations. Furthermore your company was the first that I contacted and I questioned the charges and the person I spoke with rattled off a few things and gave me no details and when I asked the reason for the charges you could give me no answers so you can see why that would be a complete waste of my time. Wood Hollow has not responded either. Now what I am disputing are the charges completely since they were not sent to the correct address.
Regards,
[redacted]
We have thoroughly reviewed this account and determined that the information that is being credit reported matches the underlying contract and credit application. Our company is bonded and registered as a 3rd party collection agency in the State of Texas. We also have a signed service contract...
between ourselves and the original creditor to act on their behalf for the purposes of collections and credit reporting. This type of mutual business and legal relationship is permissible under both federal and state rules and is a commonplace arrangement in the 3rd party collection industry. As such we are allowed to engage in collection activity and credit reporting for consumers that owe money to the original creditor involved in this complaint. We have provided to Ms.[redacted] validation of this debt as required by federal law and have informed the credit bureaus that this debt is "disputed by consumer" for credit reporting purposes. We are willing to work with Ms. [redacted] to resolve this debt on behalf of the client possibly be able to offer a discount and/or settlement of the original balance due. Our office # is ###-###-#### or you can email [redacted].
Upon review of the file from our client for [redacted], she moved in on July 7, 2010 and moved out September 20, 2010. Her contract was in force until 6/30/2011. Much of her fees were due to accelerated rent and interest accumulation. I have adjusted her balance less the accelerated rent and...
waived the interest Her balance today is 3,440.58. Please have her call [redacted] at [redacted] or myself at [redacted]. We would like to discuss a payment plan that will work for Miss [redacted]. Thank you, [redacted]
Complaint: [redacted]
I am rejecting this response because: The vadilation provided to me was not legible nor factual and was not a legal contract between PRG and there party. I have not received any legal documentation from of this unknown company and deem this as fraud or mistaking identity.
Regards, [redacted]
[redacted]
Complaint: [redacted]
I am rejecting this response because: Business still did not address the fact that there is no evidence to support their claim that they mailed a timely validation. Neither did they address the fact they never ceased collection at any time during the validation period.
Regards,
[redacted]
You can make the payment over the phone ###-###-####, you can mail it to [redacted], or you can go to our website [redacted]
The debt has never been paid and is over 6 1/2 years old. It is due to fall off your credit report very shortly. Our company feels it has complied with all FCRA, FDCPA, TCPA laws applicable and/or related to validation. Our client will be taking a $2400 loss because of the unpaid debt. We are still willing to work out a settlement and/or resolution to this matter. Please call our offices to do so. Thank you.
Complaint: [redacted]
I am rejecting this response because: I have contacted Me. White and never received any response other than we have 30 days. That was almost 2 years ago. Now that I have involved the Revdex.com they want to take action. They did not respond to me because the wanted to keep me on their rolls
Regards,
[redacted]
I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validated. The balance submitted to our collection agency by our client 1203.00. There is an administrative collection agency fee that is added to your balance for 50.00 which brings your balance...
credit reported for total collections as 1203.00. The fees listed from our client has been already sent to you however are for cleaning, carpet damage, rent/October/November,. They applied security deposit and balance owing is 1153.00. This account has been reported accurately as disputed by consumer. All 3 credit bureaus reporting same balance.We did check with our compliance department and licensing is not required because we don't actively pursue collections in the state of Florida. So we are exempt. We consider this consumer dispute as frivolous. Miss [redacted] has disputed this account various ways via through the 3 credit bureaus and through our agency over 10 times. We hope that she can call and we will work with her to come up with a payment arrangement that will work for her. I can be reached at [redacted]. Sincerely, [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]