The majority of the balance that Ms. [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills. Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal...
settlement of the debt for less than the full balance. Ms. [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full. Our telephone # is ###-###-####.
Complaint: [redacted]
I am rejecting this response because: 1.)My move out date was 12/01/2014 and I had a new apartment with a...
new lease at that time. There should be no 9 days worth of rent charged. Where does this information come from? 2.)The apartment was clean what needed to be cleaned for $65? 3.) The carpet did not need cleaning. I was only there for 5 months and there was no furniture or anything in it only luggage. There is no way the carpet was soiled beyond normal use as stated in the lease. 4) The only charges that I am accepting are the charges for the gas water and trash. 5.) This document(itemized statement) was never mailed to me therefore the charges are not valid and I would like them removed-all except the utilities charges.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I never entered into a legal binding agreement with this company and only found out about them when I checked my annual credit report. They still haven't validated the account showing a contract between myself and Phoenix Recovery Group. Just because they have a contract with the original creditor doesn't mean that I owe the debt.
Complaint: [redacted]
I am rejecting this response because:As it stands, Phoenix Recovery Group has already violated state and federal rule for validation. Any documentation they present at this point would be too little too late. Under Texas rule they had 30 days to provide the information. They did not. And there is no evidence they did. I am respectfully requesting Phoenix Recovery Group do the right thing and request deletion of this account. I am making every effort to resolve this matter without presenting this case before a courtroom jury in my community.
Regards,
[redacted]
Please provide your email address as we are prepared to send you a copy of your itemized statement. We will negotiate a settlement for the past due rent plus collection fees per contract. Also contact our floor supervisor [redacted] or email her at [redacted]...
as she is familiar with your account. Thanks, [redacted]
I have reviewed the file for Ms. [redacted]. My findings show that there was a gap of employment & [redacted] found her new place of employment contact information. He did leave his contact information for Ms. [redacted] with her new employer & they finally spoke, she asked him to call...
her after work. We don't have a good contact # for her to call her at home. I would be more than happy to assist her with a resolution on her account. I am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted]. In the mean time I have designated on her account as " do not call at place of employment " ( [redacted]) [redacted] is no longer handling Ms. [redacted]'s account. Please have her call me for a good contact #. Thank you. [redacted]
Our company did receive this dispute on 12/28/16 and on that day following an investigation of the debt which showed everything to be in order, we mailed out validation. We mailed out our company validation letter, a copy of the signed underlying contract, and a copy of the charges to...
the address notated on this complaint. We will mail this information again and Ms. [redacted] can call our offices and ask for me if she should have any questions regarding the matter. Thank you---[redacted]
We show that we previously sent out validation of the debt in March of 2015. However, we will mail out another validation package to include the documents which support the debt. Our company has also been credit reporting that the debt is "disputed to the credit bureaus. The...
Complaint: [redacted]
I am rejecting this response because:I don't feel I'm responsible for any amount for the simple fact that I didn't live there. The manager was rude to start with and didn't tell me anything about moving in only stated I would lose my deposit which was 250 I believe. What is the 3,000 for?
Regards,
[redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well...
Complaint: [redacted]
I am rejecting this response because:
1.) Notes are invalid because anybody can decide what to put in THEIR notes. Audio recording is what I'm referencing too and can prove the conversation happened. [redacted] stated in the first conversation to the agent collecting the debt that he will take care of the agreed settled amount. I want the audio recording.2.)The total amount at first for collections was $8,721. [redacted] "settled" and paid $2952, and was sent a letter stating that the account was settled, regardless if my name is on it or not. First question, if you are "settling", isn't it usually a portion of the total amount?? So why is the remainder balance of the TOTAL amount left for me to pay ($5,769)? My point is it wasn't even a settlement. It was lets get whatever we can from [redacted] and throw the rest on the other (me), while letting [redacted] know it was a settlement. Even if so, let's say we were going to pay the TOTAL amount ($8,721), wouldn't it be cut down the middle, in half ($4360.50). Where did the amount $2,952 come from that [redacted] paid?3.) The only time I was notified about the debt after the first initial contact, was AFTER [redacted] finished his settlement amount. Why wasn't I notified that [redacted] was settling the debt for a certain amount. What if me and [redacted] was to be paying at the same time to clear the total debt off our accounts, y'all would be recieving twice then what's owed. Isn't there any transparency if it's a joint account to the other party?4) Point blank is there is unethical collecting practice and I'm ready to take it to the next step if we can't get this cleared up.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: My social is a U.S. Legit social security number. My social was generated from the U.S. And not any other country so I don't know why that would even be brought on and used as their main point. So because I am Mexican and have [redacted] as a name it's ok that your company put something on my US social without even taking responsibility to even look into see why this happened? I've been in this country since I was 3 years old and I am now 32 and I am a hard working tax payer just like everyone else. I spoke to credit bureau and they told me to contact the company to have this removed and to make sure I get in writing or email. I understand your company is big and have many clients but maybe you shouldn't accept so many if your unable to perform or locate or even investigate why there's a collection from your company on an individual's credit report. I included a picture of my valid US social that didn't come from any other country and bc my name is [redacted]. Now I am sure if you ran my name just in the state of TX that there is probably going to be only me or maybe one more with that name. When credit is checked its not just ran by a first name only so for you to even imply that is from having a common name their or so many common names even with American born citizens like [redacted] or [redacted] and if you ran those names only I'm sure plenty would pop up as well. It's a shame that this complain can't even take the time and effort to one even speak to me and two look into why their company placed this on my report. It's not the credit bureaus fault, it's the company who reported an account that was opened due to collections (bc your a collection agency). If your company never created an account with my social for a collection due the credit burea would have never placed this on my report. I am may not be a citizen yet but I do finance just like Americans do with my social. I financed loans, cars, and purchased a home and I take pride in being responsible and on time with all my payments. So just because I'm an immigrant doesn't mean it's ok to say oh it's not a U.S. Social bc yes we survive and succeed in life the same way as Americans. And as for an excuse bc [redacted] is a common name? Not ok either bc ever race has common names. But every social has the correct name on the card and should be in your company's accounts since you created on with my number. Why did your company make an account of collections with my social with a common name or try to collect a debit without even being able to back that up with records in your system? How is it your company created an account of debit with a social but yet can't provide records in your system? I need yall to give me a good understanding besides my name [redacted] being common how it is your company placed a collection on my credit report but now unable to find anytime of data in your systems? Bc when I finance they pull me up correctly in their systems and they are all on my credit report as well. But on good terms of course. I'm sorry but I need a better answer bc I work hard and take care of my US social bc I am building my future for my wife and kids. Thanks for understanding my frustrations and concerns !
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to me. A contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPA. There is no legal binding contract with the Phoenix Recovery Group and myself. This debt needs to be removed from my credit report
Complaint: [redacted]
I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZ. She obviously no longer works there and the Reserves have new management. So of course they are clueless. It's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctly. I also provided these documents to [redacted] who works for PRG and asked that she send me debt validation. If I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRH. I already advised if this isn't corrected that I will seek legal assistance and contact the FTC.
Regards,
[redacted]
Complaint: 1[redacted]
I am rejecting this response because: Your company has reported invalidated information to the three major credit bureaus (Equifax, Experian, & Trans Union) and this action has constituted fraud under both Federal and State Laws. Due to this fact, there have been the negative marks on my credit reports by your company. I have requested in writing that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately. My request letter was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Please note that the police report on identity fraud was being mailed to you in the above mentioned request letter. The Federal Trade Commission (FTC) Identity Theft Report was also being sent to you. Hereby, I am requesting that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I am well aware we did not include this in bankruptcy, because we dont owe the apsrtments any money. It is a false claim. My credit report does nit show phoenix listed in any bankruptcy, it shows it under COLLECTIONS...IN THE REMARKS UNDER THE COLLECTION ACCOUNT IS STATES: filed BANKRUPTCY..A collection account not included in any bankruptcy shouldnt be commenting on anything else in a credit report thst has nothing to do with who you are collecting for. Kind of like you posting my file in a response. Dont you think I know what was included? And if this was an accurate debt to an apartment I would have included it.
Regards,
[redacted]
We understand the consumer's frustration with something that showing on his credit report that he feels is not his. However, as our company electronically reports over 100k accounts per month and is heavily regulated by federal laws such as the FCRA in this case, we did not report this...
consumer's social security # (because he does not have a U.S. one), nor his middle name. The responsibility of how this is being credit reported falls solely on the credit bureaus that may be reporting this data. As [redacted] is an extremely common name with literally thousands of people in the State of Texas having this same name, it is the credit bureau(s) that have crossed his common name with information that is not his. That is why when he called our office we could not locate an account based on his social security # or middle initial or address because we do not have any consumer in our database that matches his identity. This is commonplace with credit bureaus who often cross data with similar or common names- JR. and Sr. is another common example. Nonetheless, we can not remove data that we are not even reporting and Mr. [redacted] needs to file a tradition online dispute (called an E-Oscar dispute) with whatever credit bureaus are displaying misinformation. The credit bureaus themselves are ultimately responsible for the information that they are reporting and as long as collection agencies are following the federal guidelines for credit reporting and doing their due diligence then there is nothing for us to do but respond properly to any consumer dispute to help facilitate proper reporting.
The binding apt lease contract that was executed by Mr. [redacted] has been emailed to him at the most recent email that he provided to the Revdex.com. We would like to assist Mr. [redacted] in understanding the documents that were submitted to our company (The Phoeinix Recovery Group for...
collections and he can reach [redacted] or [redacted]. Thank you, [redacted]
Complaint: [redacted]
I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek.
Regards,
[redacted]
PRG is a legal agent of the original client and as such we can act on their behalf for purposes of collections, credit reporting, and other pertinent purposes to resolving the charged off debt. This mutual relationship is commonplace in the collections industry and is granted further by our bonding and registration as a third party collection agency in the State of Texas. Please email [redacted] directly at [redacted] to resolve or if there are further questions regarding this matter. We have also emailed you the copies of the contracts you requested.
The majority of the balance that Ms. [redacted] owes is comprised of unpaid rent, late fees, and unpaid utility bills. Our company, as a separate but legal agent for the apartment, is willing to discuss the cleaning charges with the apartment and is also willing to offer a possible legal...
settlement of the debt for less than the full balance. Ms. [redacted] should contact our offices and we will be happy to assist her in resolving this matter and improving her credit score through settlement or payment in full. Our telephone # is ###-###-####.
Complaint: [redacted]
I am rejecting this response because: 1.)My move out date was 12/01/2014 and I had a new apartment with a...
new lease at that time. There should be no 9 days worth of rent charged. Where does this information come from? 2.)The apartment was clean what needed to be cleaned for $65? 3.) The carpet did not need cleaning. I was only there for 5 months and there was no furniture or anything in it only luggage. There is no way the carpet was soiled beyond normal use as stated in the lease. 4) The only charges that I am accepting are the charges for the gas water and trash. 5.) This document(itemized statement) was never mailed to me therefore the charges are not valid and I would like them removed-all except the utilities charges.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]I never entered into a legal binding agreement with this company and only found out about them when I checked my annual credit report. They still haven't validated the account showing a contract between myself and Phoenix Recovery Group. Just because they have a contract with the original creditor doesn't mean that I owe the debt.
Complaint: [redacted]
I am rejecting this response because:As it stands, Phoenix Recovery Group has already violated state and federal rule for validation. Any documentation they present at this point would be too little too late. Under Texas rule they had 30 days to provide the information. They did not. And there is no evidence they did. I am respectfully requesting Phoenix Recovery Group do the right thing and request deletion of this account. I am making every effort to resolve this matter without presenting this case before a courtroom jury in my community.
Regards,
[redacted]
Please provide your email address as we are prepared to send you a copy of your itemized statement. We will negotiate a settlement for the past due rent plus collection fees per contract. Also contact our floor supervisor [redacted] or email her at [redacted]...
as she is familiar with your account. Thanks, [redacted]
I have reviewed the file for Ms. [redacted]. My findings show that there was a gap of employment & [redacted] found her new place of employment contact information. He did leave his contact information for Ms. [redacted] with her new employer & they finally spoke, she asked him to call...
her after work. We don't have a good contact # for her to call her at home. I would be more than happy to assist her with a resolution on her account. I am [redacted] the Director of Business Development and I can be reached at [redacted] or at [redacted]. In the mean time I have designated on her account as " do not call at place of employment " ( [redacted]) [redacted] is no longer handling Ms. [redacted]'s account. Please have her call me for a good contact #. Thank you. [redacted]
Our company did receive this dispute on 12/28/16 and on that day following an investigation of the debt which showed everything to be in order, we mailed out validation. We mailed out our company validation letter, a copy of the signed underlying contract, and a copy of the charges to...
the address notated on this complaint. We will mail this information again and Ms. [redacted] can call our offices and ask for me if she should have any questions regarding the matter. Thank you---[redacted]
We show that we previously sent out validation of the debt in March of 2015. However, we will mail out another validation package to include the documents which support the debt. Our company has also been credit reporting that the debt is "disputed to the credit bureaus. The...
validation will be mailed out within 48 hours.
Complaint: [redacted]
I am rejecting this response because:I don't feel I'm responsible for any amount for the simple fact that I didn't live there. The manager was rude to start with and didn't tell me anything about moving in only stated I would lose my deposit which was 250 I believe. What is the 3,000 for?
Regards,
[redacted]
We are currently investigating this matter. Our company has numerous policies in place to protect consumer information. Based on information gathered thus far it appears that Ms. [redacted] and our employee know each other so we are investigating both that matter as well...
as the assertions alleged by Ms. [redacted].
Complaint: [redacted]
I am rejecting this response because:
1.) Notes are invalid because anybody can decide what to put in THEIR notes. Audio recording is what I'm referencing too and can prove the conversation happened. [redacted] stated in the first conversation to the agent collecting the debt that he will take care of the agreed settled amount. I want the audio recording.2.)The total amount at first for collections was $8,721. [redacted] "settled" and paid $2952, and was sent a letter stating that the account was settled, regardless if my name is on it or not. First question, if you are "settling", isn't it usually a portion of the total amount?? So why is the remainder balance of the TOTAL amount left for me to pay ($5,769)? My point is it wasn't even a settlement. It was lets get whatever we can from [redacted] and throw the rest on the other (me), while letting [redacted] know it was a settlement. Even if so, let's say we were going to pay the TOTAL amount ($8,721), wouldn't it be cut down the middle, in half ($4360.50). Where did the amount $2,952 come from that [redacted] paid?3.) The only time I was notified about the debt after the first initial contact, was AFTER [redacted] finished his settlement amount. Why wasn't I notified that [redacted] was settling the debt for a certain amount. What if me and [redacted] was to be paying at the same time to clear the total debt off our accounts, y'all would be recieving twice then what's owed. Isn't there any transparency if it's a joint account to the other party?4) Point blank is there is unethical collecting practice and I'm ready to take it to the next step if we can't get this cleared up.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: My social is a U.S. Legit social security number. My social was generated from the U.S. And not any other country so I don't know why that would even be brought on and used as their main point. So because I am Mexican and have [redacted] as a name it's ok that your company put something on my US social without even taking responsibility to even look into see why this happened? I've been in this country since I was 3 years old and I am now 32 and I am a hard working tax payer just like everyone else. I spoke to credit bureau and they told me to contact the company to have this removed and to make sure I get in writing or email. I understand your company is big and have many clients but maybe you shouldn't accept so many if your unable to perform or locate or even investigate why there's a collection from your company on an individual's credit report. I included a picture of my valid US social that didn't come from any other country and bc my name is [redacted]. Now I am sure if you ran my name just in the state of TX that there is probably going to be only me or maybe one more with that name. When credit is checked its not just ran by a first name only so for you to even imply that is from having a common name their or so many common names even with American born citizens like [redacted] or [redacted] and if you ran those names only I'm sure plenty would pop up as well. It's a shame that this complain can't even take the time and effort to one even speak to me and two look into why their company placed this on my report. It's not the credit bureaus fault, it's the company who reported an account that was opened due to collections (bc your a collection agency). If your company never created an account with my social for a collection due the credit burea would have never placed this on my report. I am may not be a citizen yet but I do finance just like Americans do with my social. I financed loans, cars, and purchased a home and I take pride in being responsible and on time with all my payments. So just because I'm an immigrant doesn't mean it's ok to say oh it's not a U.S. Social bc yes we survive and succeed in life the same way as Americans. And as for an excuse bc [redacted] is a common name? Not ok either bc ever race has common names. But every social has the correct name on the card and should be in your company's accounts since you created on with my number. Why did your company make an account of collections with my social with a common name or try to collect a debit without even being able to back that up with records in your system? How is it your company created an account of debit with a social but yet can't provide records in your system? I need yall to give me a good understanding besides my name [redacted] being common how it is your company placed a collection on my credit report but now unable to find anytime of data in your systems? Bc when I finance they pull me up correctly in their systems and they are all on my credit report as well. But on good terms of course. I'm sorry but I need a better answer bc I work hard and take care of my US social bc I am building my future for my wife and kids. Thanks for understanding my frustrations and concerns !
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] Again, the contract was never signed between Phoenix Recovery Group and myself, therefore the debt does not belong to me. A contract has to be between myself and Phoenix Recovery Group for a debt to be deemed valid by the FDCPA. There is no legal binding contract with the Phoenix Recovery Group and myself. This debt needs to be removed from my credit report
Complaint: [redacted]
I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZ. She obviously no longer works there and the Reserves have new management. So of course they are clueless. It's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctly. I also provided these documents to [redacted] who works for PRG and asked that she send me debt validation. If I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRH. I already advised if this isn't corrected that I will seek legal assistance and contact the FTC.
Regards,
[redacted]
Complaint: 1[redacted]
I am rejecting this response because: Your company has reported invalidated information to the three major credit bureaus (Equifax, Experian, & Trans Union) and this action has constituted fraud under both Federal and State Laws. Due to this fact, there have been the negative marks on my credit reports by your company. I have requested in writing that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately. My request letter was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. Please note that the police report on identity fraud was being mailed to you in the above mentioned request letter. The Federal Trade Commission (FTC) Identity Theft Report was also being sent to you. Hereby, I am requesting that all references to this account involving my name must be deleted and removed from my credit file completely and a copy of such deletion request shall be sent to me immediately.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because: I am well aware we did not include this in bankruptcy, because we dont owe the apsrtments any money. It is a false claim. My credit report does nit show phoenix listed in any bankruptcy, it shows it under COLLECTIONS...IN THE REMARKS UNDER THE COLLECTION ACCOUNT IS STATES: filed BANKRUPTCY..A collection account not included in any bankruptcy shouldnt be commenting on anything else in a credit report thst has nothing to do with who you are collecting for. Kind of like you posting my file in a response. Dont you think I know what was included? And if this was an accurate debt to an apartment I would have included it.
Regards,
[redacted]
We understand the consumer's frustration with something that showing on his credit report that he feels is not his. However, as our company electronically reports over 100k accounts per month and is heavily regulated by federal laws such as the FCRA in this case, we did not report this...
consumer's social security # (because he does not have a U.S. one), nor his middle name. The responsibility of how this is being credit reported falls solely on the credit bureaus that may be reporting this data. As [redacted] is an extremely common name with literally thousands of people in the State of Texas having this same name, it is the credit bureau(s) that have crossed his common name with information that is not his. That is why when he called our office we could not locate an account based on his social security # or middle initial or address because we do not have any consumer in our database that matches his identity. This is commonplace with credit bureaus who often cross data with similar or common names- JR. and Sr. is another common example. Nonetheless, we can not remove data that we are not even reporting and Mr. [redacted] needs to file a tradition online dispute (called an E-Oscar dispute) with whatever credit bureaus are displaying misinformation. The credit bureaus themselves are ultimately responsible for the information that they are reporting and as long as collection agencies are following the federal guidelines for credit reporting and doing their due diligence then there is nothing for us to do but respond properly to any consumer dispute to help facilitate proper reporting.
The binding apt lease contract that was executed by Mr. [redacted] has been emailed to him at the most recent email that he provided to the Revdex.com. We would like to assist Mr. [redacted] in understanding the documents that were submitted to our company (The Phoeinix Recovery Group for...
collections and he can reach [redacted] or [redacted]. Thank you, [redacted]
Complaint: [redacted]
I am rejecting this response because: Your client chose to saddle me with this debt because they did not correctly repair water damage that occurred to my unit. I made it known that it was incomplete and the manager at the time let me know that I would not be held responsible. It is debatable if you followed all laws especially when one of managers failed to respond back to me but ignored my communication. As I stated before I want this removed from my credit report and not just fall off. This is the resolution I seek.
Regards,
[redacted]
PRG is a legal agent of the original client and as such we can act on their behalf for purposes of collections, credit reporting, and other pertinent purposes to resolving the charged off debt. This mutual relationship is commonplace in the collections industry and is granted further by our bonding and registration as a third party collection agency in the State of Texas. Please email [redacted] directly at [redacted] to resolve or if there are further questions regarding this matter. We have also emailed you the copies of the contracts you requested.