|
11827228
|
2025-01-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2025-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-29
|
|
|
5110900
|
2022-01-14
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Was not notified of investigation status or results
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-14
|
| Complaint What Happened |
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4539332
|
2021-07-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2021-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4406143
|
2021-05-26
|
Fraud or scam
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Product |
Credit repair services
|
| Date Received |
2021-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-03
|
| Complaint What Happened |
Hi My name is XXXX XXXX and I pay monthly fee with experience for {$24.00} a month to monitor my credit to monitor my on line activity etc.. I have yet even with the paid membership even retrieves my cycle score with either XXXX XXXX or XXXX. The reason why I got the credit monitoring with due to after the 2017 XXXX breach that's when I've been having issues with my devices and my personal private information exploited and sold to White collar criminals. My information was found in the dark web email telephone numbers you can addresses to even like children and my other family members you are deceased and no longer with us. If you're able to get back to me with some type of guiding hand or an some information or stepping stone and how it could go about to resolving this matter I mean even my credit report is written with mistakes and none of the major banks have any hard copies of increase into my credit report. I have {$2400.00} total of debt and my credit score. And my credit score is it available which I don't understand why yes I did inquire to XXXX and they had said that due to the lack of prior credit and the unestablished credit needed for credit score which doesn't make sense to me even people with bad credit have a credit score whether it's to bring some XXXX to XXXX. If you're able to get back to me my email is XXXX and my telephone number is XXXX thank you very much have a good day
|
| Consumer Consent Provided |
Consent provided
|
|
|
3820276
|
2020-08-28
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
I do not know
|
| Date Received |
2020-08-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I saw my credit score was down in my XXXX XXXX account {$960.00} debt for phoenix financial service.But I dont recognize it.I never get any money or service for anybody.It maybe a name similarity or somone used my information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3902025
|
2020-10-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4100527
|
2021-01-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2021-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-28
|
| Complaint What Happened |
Hi, I was contacted in XX/XX/XXXX by Phoenix Financial Services regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from Phoenix Financial Services for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2715598
|
2017-10-31
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt.
On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars.
The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection.
So, for the fourth time I do not owe such debt because I never received such services.
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10287302
|
2024-09-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2024-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2150849
|
2016-10-07
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2016-10-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On or about XXXX XXXX, XXXX, I received a bill from Phoenix Financial Services LLC in the amount of {$620.00} for alleged medical treatment that occurred in XXXX. I do not believe that this is a legitimate debt. I sent a letter via certified mail disputing the debt and requesting that the debt be verified ( delivered XXXX XXXX, XXXX ).
To date, I have not received a response from Phoenix Financial Services in regards to my request for information and dispute of this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1994614
|
2016-07-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill.
I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company.
A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report.
I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report.
I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute.
I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2782104
|
2018-01-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Medical debt
|
| Date Received |
2018-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have this negative on my XXXX report from PHOENIX FINANCIAL SERVICES LLC for medical services. This is falsely reported.I never had any medical service in XXXX XXXX XXXX OF NY. This is making a big negative impact in my credit. I had Identity theft done to me and have made a police report # XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6738658
|
2023-03-23
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you without properly notifying you of lawsuit
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-23
|
| Complaint What Happened |
Dispute Center Let 's get started by taking a look at your report.
Completed Disputes XX/XX/XXXX Phoenix financial serv XX/XX/XXXX Phoenix financial serv XX/XX/XXXX DISPUTE CENTER Report Number XXXX Date Generated XX/XX/XXXX PHOENIX FINANCIAL SERV Account XXXX Updated Information on this item has been updated Submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXX XXXX TX XXXX.
File a Complaint You may file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX IA XXXX XXXX
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate.
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Our specialists are available to assist you : Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PHOENIX FINANCIAL SERV Your information may have changed since XX/XX/XXXX Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX Original balance {$730.00} On record until XX/XX/XXXX Payment history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX Balance history XX/XX/XXXX Amount of this account was {$730.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Your statement Y ITEM DISPUTED BY CONSUMER Comment : Current : I have never received a billing statement from these companies. I do not know about this debt.
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
This item was updated from our processing of your dispute in XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6915998
|
2023-05-01
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2023-05-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-01
|
| Complaint What Happened |
One of my family members, an adult received XXXX XXXX. He signed for financial responsibility for the services " He '' received. He chose the doctor, went to their facility, signed off on financial responsibility for himself. ( I do not ever recall signing as a guardian or financial responsibility for an adult, The probability of being out of state at that time is very high. ), Phoenix Financial placed this on my credit as a collection without notification to me and it must be removed.
I attempted to resolve this and stated that I was not the recipient of the services provided and that I did not sign as a responsible/financial responsibility for the services provided. So they would have the opportunity to correct the actions they took. No remorse, plenty of sarcasm and they continued to state that it was in dispute of which I do not believe such, and they are not going to give me a letter of deletion for my lender until I give the money for services that I did not receive nor took financial responsibility for. I am also making a complaint to the State 's Attorney 's Office per a conversation with your office.
I am not the party, It should not have been in my name. They continue to attempt to collect the debt from me and attempted to get me to do a verbal agreement with them to pay. I have a mortgage pending and need a deletion letter from my report or this will cost me tens of thousands of dollars.
Also I did not give them permission to enter into a verbal contract nor agreement for something that is not my responsibility.
This is not my debt or responsibility.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6779838
|
2023-03-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-31
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8361739
|
2024-02-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2024-02-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-16
|
| Complaint What Happened |
I believe that it is a fraud. The name of the company is phoenix financial XXXX. They called me using the phone number of XXXX with my name and asked for my date of birth for verification. I asked why, and they told me that it was about a medical transportation bill with the correct hospital names, which I did stay in during that time. They said that I still owe them the fees for transportation, and I asked them why since I believe my insurance took care of it. They told me that the insurance paid their balance but I still owe mine. Then, they directed me to a website of www.phoenixfinancialsvcs.com to pay. When I went into the website I was told to click the pay your bill online button. After I clicked it, I was directed to another website of XXXX/phoenixfinancialXXXX Then I was told an account number and to click the continue button after typing in the number. I saw a balance but no corresponding bill. When I asked for the bill, they just hung up.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8247125
|
2024-01-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2024-01-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6685420
|
2023-03-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-14
|
| Complaint What Happened |
I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX, ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a MVN from XXXX. XXXX ) original service provider [ XXXX XXXX XXXX ], 2 ) CarrieXXXX [ XXXX ], XXXX ) current creditor [ XXXX XXXX XXXX XXXX ], XXXX ) Current collection agency [ Phoenix Financial Svcs, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXXXXXX XXXX ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says Phoenix will handle the dispute. The fourth, Phoenix, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. Phoenix rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?
|
| Consumer Consent Provided |
Consent provided
|
|
|
6690021
|
2023-03-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2909847
|
2018-05-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2018-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2328435
|
2017-02-06
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated committed crime not paying
|
| Sub Product |
Medical
|
| Date Received |
2017-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6688931
|
2023-03-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-13
|
| Complaint What Happened |
XXXX I received a " second notice '' of a debt owed, now in collections. 1 amount from XXXX, another in XXXX. Both of which I have no memory of taking on a debt or needing to have any kind of assistance that would require a service not paid for. I have emailed Phoenix Financial Services for the 2nd time disputing the claim/collections. They have now also put a collections notice on my credit report as well. The amount they show as " owed '' can be immediately paid off with an amount that is less XXXX the $ $ as what the total " collection request is '' if I pay immediately. $ XXXX of what I owe isn't even the " pay now to resolve '' amount. Too many problems with this, it's clearly false, fraudulent or accidental somehow. Now that my credit score has been lowered, I need help. I have never received a bill, a notice of service not paid for, no idea who the original debt is owed to or why. All the sudden I'm in " collections'..
|
| Consumer Consent Provided |
Consent provided
|
|
|
7618235
|
2023-09-28
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-28
|
| Complaint What Happened |
Phoenix financial services parked this alleged debt on my consumer report without having any initial contact with me either written or orally. My knowledge of this alleged debt only came when I checked my consumer report and seen the parked alleged debt reporting on there. There was an article written by the CFPB on XX/XX/2023 on the action taken against Phoenix financial services for their illegal medical collection and credit reporting practices. This action provides sufficient evidence that Phoenix financial services can not be trusted and puts into question their alleged debt claim. Since they could not substantiate those claims prior, I highly doubt they can substantiate this claim and properly verify this alleged debt according to the FDCPA and Regulation F requirements.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6349485
|
2022-12-21
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical debt
|
| Date Received |
2022-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6714842
|
2023-03-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Medical debt
|
| Date Received |
2023-03-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-18
|
| Complaint What Happened |
I wasn't notified by " Phoenix Financial Services '' OR " XXXX XXXX XXXX ''. On or about XXXX XXXX alerted me of the accusations.
I disputed XXXX, but the Derogatory accusation remains on my report. I don't know who Phoenix... or XXXX... are
|
| Consumer Consent Provided |
Consent provided
|
|
|
6385355
|
2023-01-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-01-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-23
|
| Complaint What Happened |
This all started XXXX or XXXX years ago when I went to the XXXX XXXX XXXX XXXX XXXX XXXX I settled with the XXXX through my insurance and credit card payment. For some reason the XXXX gave this to a collection company and they have been trying to collect {$52.00} over this time. I have written numerous emails and complaints stating this is a false collection claim. The collection company continues to post this claim to credit agencies which show on my report. This company has many names and affiliates to keep reposting after the credit reporting agencies find my claims to be true. The debt company is listed below.
Account Balance {$52.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IN, XXXX Creditor Name PHOENIX FINANCIAL SERVIC Industry Type Other Collection Agencies
|
| Consumer Consent Provided |
Consent provided
|
|
|
4215004
|
2021-03-15
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Sued you in a state where you do not live or did not sign for the debt
|
| Sub Product |
Medical debt
|
| Date Received |
2021-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8410424
|
2024-02-23
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Medical debt
|
| Date Received |
2024-02-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-23
|
| Complaint What Happened |
I received calls from Phoenix Financial Services several times in one week.
I fully authenticated my information and they informed me of a medical debt.
I did not dispute the debt and told them I want to wait to discuss this until I receive a letter in the mail. They told me it was mailed on XX/XX/2024. I told them to not call me, I will call them back when I receive the letter.
The most recent call I had was from XXXX, his EXT is " XXXX '' and he opened up right away offering 50 % off using threatening language that I needed to pay now to take advantage of this offer and that it might not be available if I wait.
I told him I still hadn't received paperwork and I was waiting. I told him to stop calling me and that they were harassing me. He did not acknowledge it but instead said he " had no control over the dialer. '' The caller was very pressuring, rude, and did not listen to me about not calling. He tried putting words into my mouth that I was " disputing '' the debt but that it not true. I told him I acknowledge it but I wanted to receive the letter first and not have them call me anymore until I call them back myself.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3691478
|
2020-06-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Medical debt
|
| Date Received |
2020-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3948423
|
2020-11-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Medical debt
|
| Date Received |
2020-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/20 Phoenix financial services added ( 2 ) seperate entries to my XXXX credit report. They were listed as new, origin date XX/XX/20. My credit score dropped 25 points.
On XX/XX/20 Phoenix financial services added another entry to my XXXX report, again reporting the origin date as XX/XX/20, dropping my score a total of 59 points.
The entries listed the original creditor as XXXX XXXX XXXX of XXXX PA for XXXX each.
I have not lived in nor visited a hospital in XXXX for several years. It appears that Phoenix financial services purchased an old debt ( if in fact the debt ever existed ) and attempted to present it as new, directly against the FCRA.
I am disputing these entries with both credit agencies, however, Phoenix financial services practices are illegal and in direct violation of the FCRA so I felt it my duty to report that they are not only breaking, but flaunting the laws put forth regarding consumer protection regarding bill collection, especially medical.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3871649
|
2020-09-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Phoenix Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2020-09-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
