| 09/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : PHOENIX FINANCIAL SERVICE with Account # XXXX for a debt owed of {$370.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to XXXX XXXX Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 11/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Phoenix Financial Services, LLC contacted me at first by phone and then by mail stating that I owed them an alleged medical debt on behalf of XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX XXXX XXXX. Dated back to XX/XX/XXXX and XX/XX/XXXX. I informed PFS by phone when they contacted by phone that I was not aware of who they were, how they got my personal contact information as well as PRIVATE medical information. I requested they send me proof/verification of how much they gathered my info as well as proof/verification that I am indeed the person that owes this alleged debt. They sent me documents dated XX/XX/XXXX that contained an original creditor, a current creditor, creditor account numbers, dates of service, two separate balances, my alleged personal information, as well as alleged medical services provided as well as an alleged diagnosis on two separate visits to this same medical facility. I mailed them a letter on XX/XX/XXXX disputing this alleged debt, that they received and signed for on XX/XX/XXXX, in response to their original mail piece and demanded they prove that this alleged debt is indeed my obligation to pay and to provide me with copies of any agreements they had with the company they are working with or on the behalf of that gives them the authorization to contact me to collect this alleged debt, or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual and authorization under subtitle D of the AARA, Sec 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES : and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. I also requested they send me any contractual obligation that binds me to pay the debt, as well as copies of any agreement that bears my signature wherein I agreed to pay the creditor, and, as this is a medical account, a copy of any HIPPA authorization. I also advised PFS that my letter to them is a formal dispute as well as a request that they cease and desist any and all collection activities, including the reporting of, or verifying of this account on my consumer report. They have violated many of my medical/civil rights as well as my consumer rights. I will outline below the violations as well my specific remedies I am demanding due to these violations.
15 U.S. Code 1692g - Validation of debts - a ( 1 ) ( 3 ) ( 4 ) ( 5 ) ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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 consumers 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.
Phoenix Financial Services, LLC never sent me a written notice containing subsections a ( 1 ), ( 3 ), ( 4 ) or ( 5 ). This is a violation of my consumer rights.
15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
Due to Phoenix Financial Services, LLC not providing me with sufficient proof that I do indeed owe this alleged debt, I am left to believe the every document they have sent my by mail is false and misleading according to the U.S Codes I stated above.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Phoenix Financial Services, LLC has violated my rights under this section.
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or After my initial dispute with Phoenix Financial Services, LLC, they sent me another letter in the mail dated XXXX XXXX, XXXX. In that email PFS denied me my right to a RE investigation into my original dispute, deeming my original dispute/request to validate the alleged debt irrelevant and or frivolous.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
Under the U.S. Code ( s ), section ( s ) and subsection ( s ) stated above, only a Consumer Reporting Agency can deem my dispute frivolous and or irrelevant and deny my request for dispute and or reinvestigation.
42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information ( a ) Offense A person who knowingly and in violation of this part ( 2 ) obtains individually identifiable health information relating to an individual ; shall be punished as provided in subsection ( b ). For purposes of the previous sentence, a person ( including an employee or other individual ) shall be considered to have obtained or disclosed individually identifiable health information in violation of this part if the information is maintained by a covered entity ( as defined in the HIPAA privacy regulation described in section 1320d9 ( b ) ( 3 ) of this title ) and the individual obtained or disclosed such information without authorization.
Phoenix Financial Services, LLC violated my rights under this section by obtaining my individually identifiable health information.
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| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. REAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed three years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows : Phoenix Financial Services has three accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks, happy holidays XXXX XXXX XXXX
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| 03/11/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PHOENIX FINANCIAL SE bal. {$2000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 06/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PHNX FINAN bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PHOENIX FINANCIAL SE bal. {$160.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX4 CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached XXXX XXXX XXXXXXXX XXXX XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PHNX FINAN acct. # 8994**** bal. {$990.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 03/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
This is a follow up complaint against the company Phoenix Financial Services who previously called my house refusing to identify who they were calling on behalf of and expressing anger in their tone of voice simply because I didn't feel comfortable with providing my information before they could tell me who they were calling on behalf.
Please reference of CFB P complaint XXXX.
This new complaint confirms their identity officially from a bill that I received from them XX/XX/XXXX.
Below is information that involves the accounts that took place during the phone call and my request for more information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fla. XXXX XX/XX/XXXX Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX XXXX Re : Account ( # XXXX ), ( # XXXX ) USPS : To whom it may concern, I am responding to your contact about a debt you are trying to collect. You identified the debt alleging the account placed with your office.
( See attachment of the letter from your agency ) Prior to receiving your letter, my call log indicated a missed call from XXXX XXXX and from a private number you attempted to contact me on XX/XX/XXXX, with the first call at approximately, XXXX XXXX
After the phone call an official formal complaint was launched against your company Phoenix Financial Services with the CFPB # XXXX for using abusive abrupt forceful language by XXXX XXXX simply because I had inquired to whom which company he was calling on behalf of.
On another call, made at XXXX XXXX., by which XXXX XXXX, refused to identify who she were calling on behalf of Alleging that she could not give out the person that she was calling for, information and made it very clear that in order for PFS to tell me who they were calling on behalf of, I would first need tell her my 1st and last name.
Also, XXXX XXXX, of Phoenix Financial Services, stated that the phone conversation was being recorded. I immediately stated to him that Phoenix Financial Services, is hereby notify to cease and desist from calling my phone.
Even though, I notifying Phoenix Financial Services, over the phone to stop calling my house, PFS continue to call my house several times after that from a private number.
Unfortunately, PFS continued to call my house at XXXX, the 2nd call was at XXXX, the 3rd call was at XXXX, the 4th call was at 4 th XXXX and the 5th call was at XXXX.
On XX/XX/XXXX I received a letter from PFS by mail in writing dated XX/XX/XXXX.
Upon receiving the letter, it indicated that PFS had been calling on behalf of XXXX XXXX XXXX XXXX XXXX. which is the same creditor that was notified on XX/XX/XXXX, for a different case for Violation of FCRA 611 that was filed with the CFPB # XXXX.
At this time I am requesting for PFS to please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Reference : Acct # XXXX Reference : Acct # XXXX Reference : Acct # XXXX Hello, My name is XXXX XXXX XXXX On XX/XX/2021 I sent a letter to Phoenix Financial Services which I will refer to as PFS. I am writing to inform you that you have committed $ XXXX worth of violations against me. Tracking records show it was received on the XXXX of XXXX. You will find a copy of this letter attached. You will also find a copy of the response I received from your client as Exhibit B. I will also refer to both exhibits multiple times in this letter.
In my letter you will see that I requested VALIDATION from PFS for the accounts they placed on my credit report. Which is my right as per the fdcpa in the letter I also asked for multiple attachments that would validate your right to collect this alleged debt from me. Which you will also see in in my letter, of all the documents I requested PFS only responded with 1 PAGE which is in no way enough to VALIDATE this alleged debt. Among the requested documents I also requested THE CONTRACT between me and PFS that gives PFS the legal right to collect this debt which once again they did not provide. More IMPORTANTLY seeing as this is a medical debt I requested a copy of my Hipaa Authorization form which should be in their possession In order to have access to my medical information which they would need to validate this as my debt. An Hipaa authorization would have my signature and would confirm that I have given the healthcare facility my permission to release my medical information. It would also confirm that I give consent to PFS to obtain my medical information.
Since PFS did not respond to my request with a copy of said Hipaa authorization form I have no choice but to assume you do not have it. In which case PFS would be in violation of public law 104-191 and PFS would also be liable for up to {$250000.00} according to Sec. 1177 of public law 104-191 which states- ( a ) OFFENSE. -- A person who knowingly and in violation of this part -- ( 2 ) obtains individually identifiable health information relating to an individual ; shall be punished as provided in subsection ( b ) ( 3 ) if the offense is committed with intent to sell, transfer, or use individually identifiable health information for commercial advantage, personal gain, or malicious harm, be fined not more than {$250000.00}, imprisoned not more than 10 years, or both. The term 'individually identifiable health information ' means any information, including demographic information collected from an individual, that -- A ) is created or received by a health care provider, health plan, employer, or health care clearinghouse ; and ( i ) identifies the individual; or ( ii ) with respect to which there is a reasonable basis to believe that the information can be used to identify the individual. Seeing as PFS will gain money in exchange for successfully collecting this alleged debt they are now guilty of obtaining individually identifiable health information for commercial advantage.
In addition the attachment labeled Exhibit B has multiple violations of the Fdcpa such as 15 U.S Code 1692e ( 2 ) ( A ) - false character, amount, or legal status of any debt. As you can see labeled out in Exhibit B the amount PFS claims is Owed is showing in a positive amount if the amount was owed it should have - indicating the balance is in the negative. Also PFS placed a logo inside of the written communication they sent me shown in Exhibit B which is a violation of 15 U.S code 1692f ( 8 ) which states Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
In addition pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). PFS has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Furthermore a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information about Account Number : XXXX not being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed.
While I could very well exercise my right to monetary compensation for each violation of my rights to the fullest extent by seeking legal counsel or arbitration. Pursuant to 15 U.S Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ;, that is a longer process than what I would like to proceed through. I only request that your company immediately remove my information from your records and company sites. I also request that you remove this account immediately from my credit file and any and all consumer reports. Please send me confirmation of both of my requests within 7 days from your receipt of this letter. I do not consent to any communication via telephone or email. I request that all communication be done via mail so that I may keep all responses and communications for my records in case legal action becomes necessary.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Please respond to this letter within 7 days from your receipt thank you.
XXXX XXXX XXXX XXXX
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| 04/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Due to XXXXXXXX I am not an XXXX XXXX and I am not working and I have XXXX XXXX XXXX to XXXX with an additional XXXX XXXXXXXX with it. This company has acquired resold debt stating that I allegedly owe. I am trying to get this resolved and removed from all 3 of my credit reports.
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
The state of Texas statute of limitations is only 4 years from the date of the last payment. This alleged debt continues to appear on my credit report as a violation of the statute of limitations.
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provides me with : The name and address of the original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on noncollectable debt after the statute of Limitations.
XXXX XXXX XXXX information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
This company is also attempting to collect on alleged debt that has exceeded the statute of limitations in the state of Texas.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated company letter showing these items removed.
I demand the following accounts be properly verified or removed immediately as these alleged debts continue to be resold by the last payment date should remain the same by Texas Finance Code 392 and the FCRA regulations.
Name of Account : Account Number : Provide Physical Proof of Verification Phoenix Financial Services Unknown / Account Number / unverified account ( {$130.00} ) Phoenix Financial Services Unknown / Account Number / unverified account ( {$630.00} ) Phoenix Financial Services Unknown / Account Number / unverified account ( {$1300.00} ) Phoenix Financial Services Unknown / Account Number / unverified account ( {$700.00} ) This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas.
This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney Generals office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
A HIPPA complaint has been filed as I did not authorize this company to have any of my medical information including but not limited to coding information or any specific procedures that may have been completed. This is a violation of my privacy rights.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The date after announcing the XXXX security breach, 4 medical collection accounts were placed on my credit reports, XXXX, XXXX and XXXX. I immediately contacted all 3 and they all suggested I purchase their monthly monitoring plans, which I did on XXXX XXXX, XXXX, XXXX and XXXX removed the fraudulent collection accounts within 5 days. XXXX emailed around 35 days later to say my investigation was complete. When attempting to log on the system locked me out for another 20 days until someone in their IT dept could resolve the issue, it had to be done via email as they were no longer accepting calls. Today finally able to review the results of my dispute, they said Phoenix Financial Services LLC had provided them with new information and the fraudulent medical bills would stay and there was no other way to dispute other than a consumer statement or through you. I contacted Phoenix Financial Services at ( XXXX ) XXXX, spoke with XXXX XXXX, that 's all he would give me. They did n't have my complete or correct social and XXXX XXXX kept asking me to give him more information about myself to identify the 4 accounts listed. He finally gave up and said he has the file pulled up and immediately asked how I wanted to pay, I tried to explain to him I 've never been to XXXX XXXX XXXX, or any XXXX XXXX systems hospitals or clinics, or related medical facilities. He said they would settle for .20 cents on the dollar and it would drop off my credit in 7 years. After ruining my credit in 1 day, from XXXX to XXXX FICO score, I said that was not an option, it 's not my debt. I asked for XXXX XXXX XXXX contact info and XXXX XXXX said he did n't have any contact info other than what appeared on my credit report. The information was incomplete, so using google, I found billing online and entered my info, including my ssn, dob, etc and the system kept returning with the message no record no patient match found. The billing site says even in collection situations, the original detailed billing is available and corresponding date of sent to collections. Phoenix Financial Services LLC reports the original date as XXXX, below are a direct copy and paste from my XXXX credit report pulled today XXXX/XXXX/XXXX with the info that Phoenix Financial Services LLC reported and XXXX claims they disputed with Phoneix Financial Services LLC but will not share the information received or proof that any information was received. It may be listed as frivolous dispute, so says XXXX in the fine print. I do n't know where else to turn and am afraid to dispute this again in fear that they will not accept or request proof of debt from Phoenix Financial Services LLC. Also, as you will see below, they original date from XXXX XXXX XXXX was XXXX, I 'm not sure if that is correct or not, but I was not living in XXXX at that time, I moved back to XXXX in XXXX XXXX after moving away in XXXX XXXX to XXXX TX to help my father complete some projects around his home to make ready for sale. On a side note, I did receive 1 letter from XXXX XXXX XXXX in XXXX, with a bill due for {$20.00} and change that my insurance did n't cover. The name on the paperwork was XXXX XXXX, so I assumed it was ID theft or billing error. I took the appropriate steps and filed with the police and FTC and had the fraud alerts on my credit burea 's for over 1 year. I mailed this info to the billing return at XXXX XXXX XXXX and never heard back. Although this does n't appear to be related as the amounts and 4 separate bills supposedly made on the same date, same patient, same hospital system, and no details available to me are being reported and aggressively being collected with non stop phone calls with no voice mails. I have never received any correspondence from Phoenix Financial Services LLC or XXXX XXXX XXXX via USPS or email. The only reason Phoenix Financial Services LLC has my number is that it was captured when I made the call to XXXX XXXX - COPY AND PASTE BELOW XXXX Credit Report for XXXX XXXX Errors in your Credit ReportPrint ReportAs of : XXXX until : XXXX/XXXX/XXXX - Report Does Not UpdateConfirmation # XXXX XXXX XXXX XXXX A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed.
PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account.
Original Amount Owned : {$1900.00} Date of 1 sXXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$1900.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account.
Original Amount Owned : {$200.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$200.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account.
Original Amount Owned : {$200.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$200.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account.
Original Amount Owned : {$370.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$370.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account
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| 10/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PHNX FINAN bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PHNX FINAN bal. {$620.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 12/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Phoenix Financial Services & BAL. {$720.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/05/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PHNX FINAN bal. {$230.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
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| 04/10/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. PHOENIX FINANCIAL SERV bal. {$1900.00} PHOENIX FINANCIAL SERV
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| 04/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. PHOENIX FINANCIAL SE bal. {$980.00} 3. PHOENIX FINANCIAL SE bal. {$1400.00} 3. PHOENIX FINANCIAL SE bal. {$1400.00}
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| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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1.XX/XX/XXXX I received a debt collection notice on behalf of " Phoenix Financial Services " ... contracted by XXXX XXXX XXXX XXXX '' to collect an alleged debt. The debt collection letter was dated XX/XX/XXXX1 and the alleged debt was stated to be in the full amount of {$60.00}.
2. The XX/XX/XXXX letter stated the original Creditor was " XXXX XXXX XXXX XXXX XXXX '' and alleged that I was indebted {$60.00} for medical services rendered by Doctor : XXXX XXXX XXXX on XXXX XXXX ).
3. I was confused because : a. I did not recognize this alleged debt.
b. I did not recognize nor recall signing a contract with " Phoenix Financial Services. '' c. I did not recognize nor recall signing a contract with " XXXX XXXX XXXX XXXX.
d. I did not recognize nor recall signing a contract with " XXXX XXXX XXXX '' e. I did not recognize the alleged treating physicians name, signing, or consenting for such treatments to be rendered by XXXX XXXX XXXXXXXX.
f. Nor did I recognize the occurrence of such medical services rendered on the alleged date ( XXXX ).
4. After reviewing the notice of debt collection for one day, I wanted more information. I politely contacted " Phoenix Financial Services '' on (XX/XX/XXXX ) using their provided phone number. The first representative maliciously and abruptly hung-up on me.
5. I feared for the well-being of my credit and my medical privacy of this alleged medical information as outlined by HIPAA. I immediately called back and politely asked to speak with a supervisor due to the original representatives abrupt, malicious, and rude behavior by hanging up on me. The representatives actions were a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).
6. I explained to the Supervisor my itemized concerns [ a. through f. ]. I also stated my Father and I have the identical name, he and I were on the same insurance plan, and I visitied him in the hospital around that time frame after he was rear-ended and and a pick-up truck landed on the hood of his vehicle. The Supervisor explained that he has encountered errors resulting from " Jr. & Sr. Names Shared by Father and Son. I reluctantly remitted payment under the Supervisors assurance that if I paid this alleged debt that was on all Three of my Credit Reports ; the alleged debt would be settled as a payment in full for {$60.00} if I remitted payment right then and there. He also assured me he would send a letter stating the account had been satisfied in full, there would be no further collection practices, and all records of this collection activity would be completely removed from my Credit Reports.
7. In desperation for my best interests and in acquiescence, I remitted payment in the full amount of {$60.00} on (XX/XX/XXXX ) to rightfully protect my credit, financial interests, and private medical records. [ Ref : Proof of Payment in Full for {$60.00} on (XX/XX/XXXX ) ]. [ Credit Card Statement Attached ].
8. OnXX/XX/XXXXI received the Supervisors letter via USPS from Phoenix Financial Services. The letter was datedXX/XX/XXXX. It stated the following : Confirmation of Account Satisfaction & Account Balance Due : {$0.00}.
9. OnXX/XX/XXXX I received a letter datedXX/XX/XXXXfrom Phoenix Financial Services. It stated This notice serves as confirmation that the above-referenced account with the above referenced creditor has been closed and returned to the creditor. Thus, the account is closed in our system.
10. What is of the utmost concern to me is the correspondence was written on the letterhead of Phoenix Financial Services and included attachments from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX dated their correspondence asXX/XX/XXXX : Two business days after I remitted payment in full. It also stated : This is communication is from a debt collection agency. This is an attempt to collect a debt and any information will be used for that purpose. XXXX XXXX XXXX wrongfully claims I am indebted to them in the amount of {$2100.00}. I am incredibly confused. I remitted payment on XX/XX/XXXXagain two business days prior to their dated correspondence. This makes zero sense.
11. Most importantly, all documents ( attached ) contain identical Account Numbers, Original Account Numbers, Original Creditor, Contracted Creditor, the alleged Balance, Date of alleged services, and a clear statement : CONFIRMATION OF ACCOUNT SATISFACTION & ACCOUNT BALANCE DUE : {$0.00}.
12. The clear paper trail, my prompt and timely remittance of payment, proof of payment displayed on my credit card statement datedXX/XX/XXXX, and a letter stating the account balance is {$0.00} proves unequivocally I satisfied this alleged debt in complete Accord & Satisfaction with the law. I remitted payment for this alleged debt, in full, for the Balance Due : {$60.00} on XX/XX/XXXX The additional collection practices that have ensued lead me to believe these debt collection practices are immoral, illegitimate, fraudulent, and illegal. Furthermore, I question if the {$60.00} I paid Phoenix Financial Services constitutes Wire-Fraud and I sincerely question the legitimacy of this alleged debt. I have reason to question this debt given the circumstances and whirlwind of conflicting claims in each piece of correspondence I received.
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| 10/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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PHOENIX FINANCIAL SERVIC, contact information XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX, Phone Number ( XXXX ) XXXX. Original creditor listed ; XXXX XXXX XXXX XXXX. Account number XXXX, that is listed on my credit reports.
I have disputed this account listed on two out of three of my credit reports on XXXX and XXXX. I have not been able to dispute it on XXXX as I have always had issues with that credit bureau asking security/identifying questions that do not and have not ever pertained to me- The questions asked are not even listed on my credit report and never have. The disputed attempts failed with XXXX and XXXX and still remain on my credit reports. Yet, Phoenix Financial Servic failed to contact me claiming I owe the debt. Thus disallowed me to dispute the debt or seek verification. After submitting disputes with XXXX and XXXX Phoenix Financial Servic still did not provide anything at all, much less anything substantial proving the debt is mine or sent anything allowing me to exercise my right to dispute the debt or seek validation directly with them ; prior to reporting the debt and after the dispute. If I was given the opportunity- Had Phoenix Financial Servic legally did what is required of them- I would have requested a detailed breakdown of all charges, documentation such as a signed contract, and other information. Due to this ; the laws and standards set, Phoenix Financial is inaccurately/falsely reporting/handling this collection account to my credit profiles. I know it is not mine as the original creditor listed, XXXX XXXX XXXX XXXX, whom I never heard of, have never had an account with, or received services with the original creditor. The reported account listed date of being opened in XXXX XXXX This appears to be a medical debt & I have not had any medical attention, services, or procedures during the month of XX/XX/XXXX, or after the months of XX/XX/XXXX, or during the year of XXXX, and even longer than that as well. Especially by the original creditor listed and/or any of its affiliates. I did look up the LLC information of the original creditor listed ; XXXX XXXX XXXX XXXX XXXX, from the Alabamas Secretary of State website. XXXX XXXX XXXX XXXX XXXX has gone through three name changes and it strongly supports that XXXX XXXX XXXX XXXX has four other LLCs and all are associated. There is no telling when and where on how Phoenix Financial Service has obtained this frivolous and alleged debt due to the original creditor having had its name changed three times- It was formed in XXXX and from what I can see the last name change was in XXXX. I share this to support, that I do not nor have I ever owed the original creditor for any services. I do not know of or heard of the original creditors present name, past name, or their associated businesses names as some of those went through name changes too. I have never received anything in the mail or any communications from the original creditor by its current, past, or affiliated names.
I will say that I have read that Phoenix Financial Services has intensive poor reviews on unethical debt collection practices. However, I do have an issue and many experiences thats considered a mixed credit file. This likely could be the issue with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an issue for me for years. Like for example, I can rarely access my XXXX account directly as it never asks security/identity validation questions thats never pertains to me. Every year, at least a few times a year there are incidents where I have collections pop up that do not/nor ever belonged to me. I have had addresses listed that I never lived at, misspelling of my name, alias- I dont use an alias, nickname or shorten my name. When discovered I dispute it and have it removed. I do not know whos information it could belong to or why it happens often enough. I have had closed out/paid in full and on time accounts on my reports ; that actually helped my score, but I had to have it removed because it didnt belong to me, I didnt know any details about it, so when asked for identification questions, I couldnt answer it, thus preventing me from accessing my credit report.
I am going to attach screen shots from yesterday on security questions asked while attempting to view my XXXX report, not one question belonged to me. Screenshots from XXXX XXXX that wants to help me with lower insurance quotes, none of the vehicles shown/listed belong to me ever, but one. I am also going to attach screen shots from various credit reports throughout time that show info stated above that indicates my experiences with mixed credit file issues. There are a ton of examples, but I want to share some to support this is a real issue for me.
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| 06/05/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). This is a violation of HIPPA as I did not provide authorization for a non medical third party to obtain, retain and/or review my personal medical information by any of my physicans.
The Texas law ( No Surprise Act ), passed in XXXX, bans balance billing for certain medical services or supplies received on or after XX/XX/XXXX. In addition, the company did not follow Texas regulations by attempting to resolve the alledged debt prior to placing it on all credit bureaus. The federal No Surprises Act became effective XXXX XXXX, XXXX. It established a federal law prohibiting balance billing for out-of-network, self-pay, and uninsured patients from certain surprise medical bills. The law also created patient price transparency rules by requiring certain physicians to provide their patients with good faith estimates.
I did not know this company was out of network for this alledged debt. The following regulations were violated.
Texas Senate Bill 1264 Adoption Order 2019-6172 for the Out-of-Network dispute Resolution rules 28 Texas Administrative Code Subchapter PP Texas Insurance Code Chapter 1456 This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
There is no executed contract authorizing transfer of alleged debt to an unauthorized third party. Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 08/09/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX XXXX- I received an email from XXXX that there's some changes to my credit score/ file. I immediately checked my credit karma and I see that Phoenix Financial has put me in collection and my original creditor is XXXX XXXX XXXX. I called the number provided in derogatory remark and spoke to a representative XXXX. She informed me that this bill is dated back in XX/XX/XXXX and it was for a emergency service I had on that day. I requested for debt validation over the phone and she said she will email my debt validation. I also sent an message to XXXX XXXX ( the hospital I frequently go to and they have the same address as XXXX XXXX ) believing that the debt was mine because I did go to emergency in that year and so I asked XXXX XXXX to provide me the bill because I thought this bill was taken cared of because I had medicaid when I visit the doctors at that time.
XX/XX/XXXX XXXX- I've received an invoice in my email, not debt validation. I've done some research online and I sent a certified mail to Phoenix Financial LLC requesting for debt validation.
XX/XX/XXXX XXXX- I received a reply from XXXX XXXX and they told me that they do not have any record of my service prior to XX/XX/XXXX ( that's the visit I had and thought that Medicaid already taken cared of it when I first message them ).
XX/XX/XXXX XXXX received a letter from Phoenix Financial Services acknowledging the dispute and a billing statement from XXXX XXXX XXXX XXXX, LLC and not a billing statement by the original creditor XXXX XXXX XXXX. In fact, the only information I have about the original creditor is the name. There's no account # address from the original creditor and the most importantly the itemised billing of the service or even the statement by the original creditor. I do not recognised the diagnosis XXXX, the first symptom XX/XX/XXXX, the procedure service/ cpt XXXX XXXX. I quickly call XXXX after receiving the letter and told her that I don't believe this is my bill and I have a written letter from XXXX XXXX that I do not have service prior to XX/XX/XXXX and that the debt I believed her the first time was actually XX/XX/XXXX bill which is already settled. I forwarded her the letter from the hospital. I also started a dispute with XXXX stating that I do not own the debt.
XX/XX/XXXX XXXX- I received a phone call from XXXX stating that they have an email from me to the insurance company that I have the service and that they will cover my XX/XX/XXXX bill. I asked her to forward me the email and she said I should have it because it's the email I sent her. I explained to her that that's the bill I thought I had in XX/XX/XXXX and that I somewhat believed her that I had a debt back in XX/XX/XXXX when I wrote the message to XXXX XXXX. I told her that the hospital does not have any record of me visiting them prior XX/XX/XXXX. I asked her for the original creditor bill and she said that's all the documents she have and that she has requested for more documentation. She said she wants me to show her my medicaid coverage at that time and I told her I will get it. After speaking to a friends, I was advice to not provide any further information until I received the original creditor bill and that the debt is actually mine. So until it is proven that it's mine, I should not submit or acknowledge the debt. I called her back and told her that I will not submit any documents/ medicaid until I received the original bill and that it is proven to be mine. She also told me that she sent 3 letters to my current residence ( to which I did not receive, and I would like to see proof that the letters are mailed out, if that's possible ) before reporting me to credit bureau, I told her that had I received it, I would have contacted her. She said she can't do anything on her part except to dispute this case to the credit bureau. I then contacted XXXX to understand the dispute process and I was told that Phoenix Financial responded back to them and say that the debt is mine. I told them that I have a letter from the hospital stating that I do not have service prior to XX/XX/XXXX and XXXX Dispute department recommended me to file a fraud claim. I file the fraud claim with XXXX and they have advice me to make a police report and send it to them. They will then give it to Phoenix Financial for them to determined if this is a fraud claim. The police came and said that this is a civil matter and I should take legal action.
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| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On XX/XX/2023, we received a letter from Phoenix Financial Services LLC claiming that I had a debt they were collecting for.
On XX/XX/2023, we responded with a letter asking for more information about the debt as we were unfamiliar with it and believe it was in error.
" Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. '' Based on the information in their original letter this also appears to be medical related as the original creditor they list is XXXX XXXX XXXX. The fact that this is medical is important in reasons that we outline below.
We have never received a response from the company and yesterday, XX/XX/XXXX, we got a credit alert that we were now in collections with Phoenix Financial Services.
Due to our understanding we believe Phoenix Financial Services has inappropriately and illegally ( per the FDCPA and California law ) done the following : 1. Filed to the Credit Reporting agencies as Collections while the account was properly In Dispute, thereby harming our Credit. Per FDCPA, debt collection agencies must not file a credit report as anything but In Dispute in the current case we are in.
2. Filed to the Credit Reporting agencies without providing requested information when we followed their exact process outlined in their initial letter to us.
3. Attempting to collect medical debt when California law dictates that this can not occur after 4 years.
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| 09/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. You claim I owe {$530.00}.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
XXXX XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 06/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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XX/XX/XXXX From : XXXX XXXX ; Regarding : XXXX XXXX , XXXX trying to collect a debt paid in full During the year of XX/XX/XXXX, I spent several months dealing with a very corrupt XXXX XXXX XXXX, company. First of all, I did not call nor require Ambulance service, I was up ducted. I heard a knock upon my apartment door I answered it, and then I was taken. However, this not the reason for my complaint, it should be, but its not. I appealed the charges and lost ; therefore, was forced to pay, and I did, twice. I wanted to clear the XXXX XXXX XXXX debt of {$220.00}, because I wanted to purchase a house. I paid {$220.00} with money orders. The debt was paid in full by XX/XX/XXXX. However, XXXX XXXX , XXXX was still billing me and threatened to send my account to collections. I called XXXX for help, I explained, that I had paid this debt in full. There response, was I had to show proof of payment. I could not find the money order stub. Therefore, I had to repay the entire debt again. I talked to by bank ; they told me, I should pay with a debt card, because it will show point of sale, who collected the money with out dispute. OK. I paid the entire amount a second time in full. This time I was able to show full documentation of every payment. Furthermore, I saved the last bill of {$27.00} ; yet even thought, I was able to provide documented proof of full payment and last bill, XXXX continued to bill me. I called XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX number. I told, them, I paid you in full, I have documentation, and the last bill you sent to me for {$27.00}. Why are you still sending me bills for over one hundred dollars. The person on the phone told me I can charge you any amount of money I want. XXXX cant tell me how much to charge you. I will send your account to collection if you dont pay. I told, them that is not legal, you cant do that. XXXX is my insurance provider, they paid you the amount contracted with your company, and sent to me the amount of the bill which was my share, and I have paid it in full. After that conversation I called XXXX for help. I explained, I have a situation with, XXXX XXXX XXXX. I relayed the conversation I had with XXXX XXXX XXXX. There response was, what you are saying is illegal, we will have to investigate.. I further, I explained, I paid this medical bill twice ; this company is ripping me off, I didnt have proof of payment the first time, and therefore, I had pay them again, because you XXXX told me you would not be able to help me if I couldnt show proof of payment. Therefore I paid XXXX in full twice making sure I could provide full documentation proof of payment. I was in my right to want to charge XXXX XXXX XXXX XXXX with fraud. That is what I requested of XXXX. The lady from XXXX asked me to send all my documented proof of payment, and I did. We spoke after she had a chance to talk to XXXX XXXX XXXX, and she told me they are being charged with what is called a Provider Education Assignment Violation. She gave me a claim number which is Activity ID # XXXX. This is what transpired in XX/XX/XXXX. XXXX XXXX XXXX hasnt pursued collecting any more money from me ; until now, here it is two ears later XX/XX/XXXX, and I have received a letter from a collection agency. The agency is called Phoenix Financial Services LLC. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX They are requesting that I pay {$170.00} I reference ID # XXXX dont do not owe this money. Nor, do I want to waist my energy handling this case all over again. I am requesting that XXXX and XXXX XXXX be charged with fraud. They do not have the right to repeatedly charge people alleging they didnt pay. I spoke to an Attorney, there response was the Attorney fee would cost more than what they are requesting of me to pay. XXXX XXXX. I will not pay this amount. I want to charge XXXX with fraud, wrongful debt collection, over charging patients, and refusing to except XXXX program billing standards. I want to put a stop to them collecting undue money form people in furtherance of XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts .They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the XXXX XXXX Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.
Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses ... account constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me. It also shows the amount of {$270.00} showing for XXXX and then the same amount for Phoenix Financial. Are they allowed to double book debt? As I already said when they do n't want to resolve or prove this is rightfully my account, they sell to another agency and re-aged account. Ridiculous!!! I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!
Please also make note that two accounts are negatively hitting my credit reports for one debt in the amount of {$270.00} this is illegal for Phoenix Financial and XXXX XXXX to be tagteaming and when they were made aware Phoenix Financial reopened collections on this account XX/XX/XXXX with out showing proof that this belongs to me. Texas Health Systems is allowing this as well, please ensure they recieve my complaint as well.
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I discovered that there was a new debt that sneaked its way to my credit files with no absolute notice, so i disputed this unknown debt with all credit bureaus. A day or XXXX later quick quick the bureau got back to me via notification that the debt was valid and would remain on my file for 3 months and that the debt was Validated whatever that statement meant then a Huge Red wording appeared on my report atop the erroneous debt of potentially negative. So i reached out to the Phoenix Financial XXXX by phone and at first spoke with a XXXX who was very loud and XXXX telling me that I owe this debt that i knew nothing of. I asked where did it come from she stated she just received it in XXXX od XXXX and she sent me a notice in XXXX of XXXX i never received anything and i never ever received a phone call on my number though she claimed she called and i advised if they tried me on my company phone which i have a do not call registry on then they broke the law and she said she could still call. Anyways I gave her my correct number to call on XXXX so they stop breaking the law. and i told her if they needed to reach be that would be the number, we further discussed the nature of the business from whence it came and for what i was being charged and most importantly WHEN WAS THIS BILL GENERATED. she said XXXX of XXXX. I said in Fl you shouldn't even be trying to collect something like that which is XXXX XXXX XXXX. She said well I just got it. I asked where did it come from and she could not tell me as SHE DID NOT KNOW. So after she described what was being charged i said that i had some of those symptoms in the pass and it was taken care of by insurance at the hospital if thats where its coming from. they could not verify they only stated THAT ITS AN INDEPENDENT XXXX WHO WORKED UNDER THE DISCGUSE of the hospital and so its a separate bill but she will give me a 75 % discount od XXXX of XXXX if i agree to pay it and it will last for 4 months though the credit file states remaining on for 3 months so then my Grown boys heard the conversation and told me to have them send me the exact bill and from the direct creditor which she claim she has requested the XXXX XXXX to send to me and i gave her too my address as im not afraid to take care of my responsiblity but this DEBT IS XXXX XXXX XXXX and should have been dismissed as statute of Liability passed. the debt was from XX/XX/XXXX - XX/XX/XXXX. Shame on them.
I called back 3 days later and got another Rep XXXX who was the most Rude and he wanted to talk over me and did not want to communicate just trying to re-iterate that the bill is correct and they took care of it 3 days ago as if he wanted me to vanish away but i insisted i needed clarity as i had more information but he wasn't having it I even mentioned that in MY RESEARCH I WILL REPORT THE MATTER TO THE CFPB AND THE COMMISSION and he rudely said GO AHEAD report to whomever I want so he became hostile and being insultive and was trying to be loud and MATTER of Fact with his XXXX XXXX but I told him I wasn't afraid of him though XXXX XXXX and if this how he talks to his Elders i cant begin to imagine the way he speaks to his mom and he calmed down and said u dont know me, then i said you dont know me either so speak to me with respect and he hung up the phone in my face. Bottom line please have these folks remove this derogatory from my files. its NOT MINE it could be anybody 's YES I HAD back issues and XXXX have checked it out at different places even today at XXXX XXXX but i thought it was university hospital so i called them there and they had absolutely no debt there fore me. The last time i was at that hospital was XXXX for covid, All my hospital bills are paid through insurance so if XXXX XXXX XXXX worked there private as per XXXX at Phoenix Financial they were wrong not to collect my insurance at the time of service when rendered. Not grasping at straws 7 years later. Please help me here to lay down the law someone is just not being cognisant or they just don't care.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
|
| 07/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Date:XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To : Phoenix Finance Services LLC XXXX XXXX XXXX XXXX IN XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Attorney Generals Office of Texas XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXXXXXX XXXX XXXX XXXX REF # : XXXX RE : Validation of Debt To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Please give a complete, accurate and thorough breakdown of the amount that is has been reported to all there of the major credit bureaus. Please list all fees of the original amount that your offices have on file. Please explain all erroneous fees that may be inaccurately reported to all three of the major credit bureaus. In your documents please include the first and last date of activity on this account to make sure that this account falls within the state of Georgia and Federal statute of limitations to report and collect the amount that is owed. Please show valid proof that Phoenix Finance Services LLC is licensed and bonded and is able to collect the amount owed in all 50 United States.
This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with accurate account details. At this time, I will also inform you that if your offices have or continue to report invalidated or inaccurate information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute as fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
805. Communication in connection with debt collection 806. Harassment or abuse 807 False or misleading representations 809. Validation of debts Telephone Consumer Protection Act 47 U.S.C. 227 I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices is able to provide the proper documentation as requested in the following declaration, I will require your offices 30 days to investigate this information and during such time all collection activity and contact of all forms must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.
This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Prove that you are the original creditor, please prove beyond a reasonable doubt that you have a contract with my name agreeing to pay your company. Your company has 30 days to comply with federal consumer protection laws. Moving forward submit all documents to XXXX XXXX XXXX @ XXXX XXXX XXXX Info provided above.
Regards XXXX XXXX
|
| 01/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHOENIX FINANCIAL SERV XXXX XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$1000.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX XXXX
|
| 07/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2018 Phoenix Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 04/09/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 Phoenix Financial Services, LLC RE : Account # XXXX Creditor Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I was in use of XXXX XXXX in the month/ year of XX/XX/XXXX. Rather than properly submitting claims to the VA as they should have, there is no evidence they ever submitted any form of request for payment. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Phoenix Financial Services debt collector stating that I owed the balance or it would go to collection. On XX/XX/XXXX I contacted the VA at which point they gave me an address to have XXXX send them the claims for processing and payment to close out the billing. I contacted XXXX on XX/XX/XXXX I spoke with a rep in billing, and they refused to send the billing claims to the VA for payment. They stated that now that it was in collections I had to handle it through there. Rather than get completely paid, they'd rather not submit the claims at all. After that call, I contacted the collection agency explaining the situation, and suggesting they instead submit the claims for payment. Instead, the man grew very aggressive and rude. Telling me it was my responsibility to pay, had I never heard of " patient responsibility ''. I told him that I had, and that is why I was working hard to get this situation resolved. It was not my mistake or error that the account had not been paid in full in the first place, but rather that of XXXX for not submitting the claims correctly. The man continued to berate me, telling me I was at fault, and that he would come after me. I told him to simply submit the claims and he would be paid. He proceeded to utter profane verbiage and threaten me with liens and garnishment. At which point I had to hang up. This is completely unacceptable. I am a XXXX XXXX XXXX XXXX and all my medical care is covered. Due to the incompetence of XXXX I am now dealing with debt collection and an abusive collector. I am worried about my credit and is causing me serious stress and pain. It is not right that a business can act this way and we are the victims who must suffer for it.
After doing research I found this on XXXX XXXX XXXX XXXX site : " Current Alerts For This Business Government Action : XXXX reports on known government actions involving business marketplace conduct : : Consumer Financial Protection Bureau Consent Order for Phoenix Financial Services, LLC On XX/XX/XXXX, the Consumer Financial Protection Bureau issued a Consent Order against Phoenix Financial Services. The Order settles allegations that Phoenix Financial Services violated the Fair Credit Reporting Act by failing to " conduct reasonable investigations of consumer disputes, '' as well as the Fair Debt Collection Practices Act by " using false and deceptive means to collect debt. '' Under the terms of the Consent Order, Phoenix Financial Services is ordered to ( a ) provide redress to affected consumers who received unlawful debt collection letters between XX/XX/XXXX and the Effective Date of the Consent Order and ( b ) pay a {$1.00} XXXX penalty to the Consumer Financial Protection Bureau. For extended details about the CFPB 's action and the Consent Order, you can visit this link : https : //www.consumerfinance.gov/enforcement/actions/phoenix-financial-services-llc/. XXXX XXXX XXXX XXXX More can be read in a XX/XX/XXXX article regarding how the CFPB took action against Phoenix Financial Services for Illegal Medical Debt Collection and Credit reporting Practices.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-phoenix-financial-services-for-illegal-medical-debt-collection-and-credit-reporting-practices/
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that PHOENIX FINANCIAL SERVICES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/2022 with a balance of {$1300.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. PHOENIX FINANCIAL SERV XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
|
| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
|
| 09/29/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
False Statement or Representation.
I received a letter from a debt buyer, XXXX XXXX XXXX XXXX, XXXX, for an old debt that was never verified and/or validated from the previous debt buyer. XXXX problem is that the old debt buyer that just sold it, XXXX, did so I believe out of spite and because they obtained recent info on me from a recent complaint filed against them and they have since decided to send that info on to a 3rd ( or 4th ) party to attempt to collect this old debt and/or to purposely have it end up on my credit report since they now have to remove a different account reporting as a result of the complaint filed against them ( diff acct. ). It is strongly suggested that XXXX is affiliated with XXXX ( the new buyer of this debt ). The second problem is the debt buyer they sold to, XXXX XXXX XXXX, XXXX sent me a letter ( attached ) where they boldly and falsely claim to have purchased this debt from the Original Creditor which is an outright lie. This is where I should mention that this same account is still currently being reported on my credit report by XXXX XXXX XXXX who, per my knowledge and per recent XXXX reports, claims to be the current owner of this account and has sold or transferred it to XXXX. I have not been made aware of any transfer or sell of this debt other than XXXX sending me this letter claiming to be the owner of the account and claiming to have purchased the account from the ORIGINAL CREDITOR. Also, note the letter does not state " new '' owner and lists a different name and address for where to send the payment to, a different address/state for the return address and a different name as the Current Creditor. So, who owns the account? Who is the rightful and legal Creditor? This is all very misleading and is obviously a bunch of false representation. I have checked and can not locate any registration in XXXX or XXXX XXXX XXXX, Phoenix Financial Services or any of the names they have listed. And because I know how XXXX, who either sold the debt or transferred it over to this 3rd party, operates, I am taking a proactive approach since I feel like this is being done purposely to either end up being reported and possibly more than likely double-reported on my credit reports or to bully me into paying a debt that was never even validated by the previous debt buyer. Or XXXX. Because I 'd like to avoid XXXX of these things from happening, and because I 've never had this debt validated or the opportunity to validate and because I personally have never done any business with XXXX or Phoenix, etc., I am asking for XXXX XXXX XXXX XXXX XXXX, Phoenix Financial LLC, XXXX etc. to provide the following : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt or services 5. Date of the first delinquency. 6. Date that XXXX purchased this account from the Original Creditor ( as stated in their letter ) and name of original creditor. 7. Verification- # from the XXXX of XXXX that they are registered in XXXX or XXXX, or whatever state they claim to be registered in/with. 8. Full name of the actual and legal debt owner. 9. Whether they purchased the debt, who it was bought from, when, and amount. 10. The name and address of the bonding agent for your collection agency. The requests are being made pursuant to1 5 USC 1692g Sec. 809 ( b ) of the FDCPA.
|
| 09/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent multiple letters to them and made phone calls requesting a validation of debt because I have known the debt was not mine. Through phone conversations with the collection agency they told me they were sorry for the confusion and the debt would be removed but it has n't after months.
Collection agency : Email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX I sent the following emails and then called to confirm that they had been recieved on these dates : XX/XX/XXXXand XX/XX/XXXX This is the letter I sent both times.
Name : Last 4 digits of SSN : Address : Below you will find a letter requesting a validation of Debt appearing on my credit report. You are only allowed to contact me by email and mail.
To Whom It May Concern, I am sending this letter to you in response to erroneous errors I saw on my credit report. No one has been in contact with me about this debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; which includes the cover page and charges of services received and dates received Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent ; Provide a verification or copy of any judgment if applicable ; If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or th3 company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
I also contact XXXX who failed to remove the unverified debt from my credit report XXXX Dispute number : XXXX Dispute number : XXXX Dispute number : XXXX Dispute number : XXXX I 'm very considered that this collection agency shows they ca n't verify my information but XXXX leaves it on my credit report. How can something be on my credit report that is unverifiable.
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| 06/02/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Phoenix Financial Services XXXX to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Phoenix Financial Services XXXX must herein provide a true and certified original copy of the complete XXXX XXXX under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Phoenix Financial Services XXXX to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Phoenix Financial Services XXXX Providing that Phoenix Financial Services XXXX is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 01/15/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have already submitted a complaint against Phoenix Financial Services, LLC with the CFPB. After the CFPB complaint was reviewed, the collection was removed from all three of my credit reports. This was six or seven months ago. A few days ago, I received yet another letter from Phoenix Financial Services, attempting to collect the same debt. It is now showing as a derogatory mark on my credit report again, reporting under a different account number. The original account number is XXXX. The new account number is XXXX. The original CFPB complaint was case number : XXXX. Here is a copy : " In XX/XX/XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX in collections for {$65.00}. In XX/XX/XXXX, I had paid my bill to 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 earlier in 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. '' The company continues to attempt to collect this debt, which I have already paid. The company also attempts to yet again collect this debt, after I had already filed a CFPB complaint against the debt and it was determined that it should be removed from my credit reports. They simply created a new account number for the same amount.
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| 04/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : PHOENIX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/08/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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onXX/XX/2021 an account was opened in my account for the amount of {$950.00} by PHNX FINAN, i wrote this company to validate this t debt and never have gotten an respond back yet ... this company has violated multiple of my rights under fdcpa & fcra the list of the violations follow as : 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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 consumers 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.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
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| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/XXXX XXXX opened debt collection letter of XXXX $ from Phoenix Financial Services with service date of XX/XX/XXXX original creditor XXXX XXXX XXXX Called XXXX XXXX bill pay line to find out more information and heard an automated message stating that any letters from Phoenix Financial Services they do not have on file nor can they help, to call XXXX XXXX XXXX at XXXX. I spoke to the bill pay representative anyway, who referred me to Phoenix. XXXX called Phoenix to ask for more information about this alleged debt. All they would provide is the service date, the name of a nurse practitioner I never heard of, and a diagnostic code. I called XXXX bill pay line back, and the rep. Stated that its inappropriate for the debt agent to not provide all information requested and that he lied when he said thats all he had on file, and is required to give me all info as theyre given everything from the hospital and to request a supervisor as theyre employing a scare tactic to force me to pay the debt. Called Phoenix back, explained that its inappropriate to not provide all info and to get me a supervisor. The rep I spoke with transferred me to the rep who refused to give me all the info, and I repeated myself. He refused to get me a supervisor and stated all I could do is file a dispute. I stated Im calling the bill pay department back to verify this. XXXX called XXXX instead to report what happened with Phoenix XXXX and the rep sent an email to Phoenix requesting a supervisor call me back. XXXX called XXXX XXXX XXXX verify this so called bill from XX/XX/XXXX. XXXX XXXX has no claims on file for that date or any date close to it. The oldest claim they have is XXXX XXXX. I suspected that this debt is invalid and is now verified. XXXX called XXXX XXXXXXXX XXXX XXXXXXXX and explained my debt letter from Phoenix . I was told that they were advised to tell patients theres a problem with Phoenix and to disregard and throw away debt collection notices from them. Spoke to my husband, who was helping me with tracking down this debt, told me that the XXXX was getting complaints on a massive scale about Phoenix and its all over town that theres problems. XXXX called XXXX bill pay again to report everything I learned so far - that XXXX XXXX has no claims on file to match that alleged bill and date of service, that Phoenix refused to get a supervisor or give me any further information, that the XXXX is overloaded with complaints about Phoenix , a potential scam, which is now a massive problem, and that the XXXX XXXX XXXX XXXX stated to disregard and discard Phoenix collection notices. I asked why the bill pay department is still referring patients to Phoenix, who is being uncooperative, and that these debts may not be valid but no one is helping them. The bill pay rep. Put me on hold to speak to her supervisor, who received a notice at that point in time to tell patients to disregard and discard Phoenix collection notices. She explained that Phoenix bought out something from XXXX, and its not a scam, but there is a big problem. She thanked me for reporting this massive problem. Lastly, Phoenix knew my name before I identified myself, when I suspiciously inquired as to how they knew who I was, they claimed it was from caller ID.
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| 10/28/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Phoenix Financial Services on the behalf of XXXX XXXX XXXX sent me a later date XXXX XXXX that I did not receive until the following week. of notification of debt and reported the debt to XXXX and XXXX the prevous day they sent the letter out. I had not received any information prior to that nor was I allowed my due process of 30 days to validate or dispute the debt before being reported to my creditors.
When speaking to the representative requesting the information I was told they could not give me validation of debt I would have to contact the insurance company.
Another female representative contacted me and did not advise me that she was a debt collector and any information will be used for that purpose. I do have proof of these conversations I can submit.
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
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| 11/22/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter dated XX/XX/XXXX from Phoenix Financial Services ( " PFS '' ). In the letter, Phoenix Financial Services stated that I have an unpaid debt owed to XXXX XXXX XXXX XXXX XXXX Hospital in the amount of {$2100.00} and that they were contracted by XXXX XXXX XXXX XXXX XXXX Hospital.to collect this debt.
In the original letter from Phoenix Financial Services, the Date of Service was listed as XX/XX/XXXX. However, I have never visited this facility, nor, received treatment in their Emergency Department. Using my personal data, I was able to log into their Patient Portal site to access the documentation related to the encounter of XX/XX/XXXX. In the patient 's medical record associated with this encounter date, it is documented that the patient is " XXXX/XXXX American. '' I am XXXX. This discrepancy was included in my letters to the Credit Reporting Agencies, Phoenix Financial Services, and XXXX XXXX XXXX XXXX XXXX Hospital.
Also, the medical record states that the patient was admitted and treated on XX/XX/XXXX and XX/XX/XXXX.. On XX/XX/XXXX, I traveled to XXXX, by air, for a cruise to the XXXX on XX/XX/XXXX. I have provided all three groups above with documentation of my flight and hotel information.
I have contacted both XXXX and XXXX by mail, to initiate a dispute of this record on my Credit File. The details above were included in my disputes. Both XXXX and XXXX responded by stating an investigation was completed and that the investigation revealed that the record was verified to be mine.
I have contacted, by mail, Phoenix Financial Services to dispute the record directly with them. A letter, dated XX/XX/XXXX, from PFS states they have received my dispute and requested I provide a copy of a police report I filed for Identity Theft. Since I do not know how this error occurred, I am not willing to give false information to police by stating my identity had been stolen.
Also, I have contacted XXXX XXXX XXXX XXXX XXXX Hospital by phone on XX/XX/XXXX and left a voice mail message. Having not receive a response, I submitted my dispute, in writing, to the Patient Financial Services department at XXXX XXXX XXXX XXXX XXXX Hospital on XX/XX/XXXX.. Still not receiving a respone, I sent a certified letter to their CEO, again disputing the record on XX/XX/XXXX. As of today 's date, I have not received a response from XXXX XXXX XXXX XXXX XXXX Hospital Patient Financial Services nor their CEO.
I question whether the credit reporting agencies or PFS actually verified that the debt was mine. If they truly investigated this dispute, then the dispute would have been successful and the record would have been removed from my Credit File. In my few experiences being treated at an Emergency Department, a Registration Specialist has always required a state-issued photo identification and I have always had to sign treatment consents and health insurance forms. In my letter to both the Patient Financial Services and CEO of XXXX XXXX XXXX XXXX XXXX Hospital, I asked for them to provide me a copy of my signature, obtained on XX/XX/XXXX, and a record of the type of identification I used during the registration process. Unfortunately, I have not received any response from the facility.
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| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
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| 03/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
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| 12/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was checking my credit on XX/XX/XXXX and I noticed that there were multiple accounts and inquiries on my credit profiles. I became aware that my XXXX account has a XXXX account ( Account number XXXX ), XXXX XXXX XXXX XXXX XXXX ( Account number XXXX ), XXXX XXXX XXXX XXXX XXXX ( Account number XXXX ), and XXXX XXXX XXXX XXXX XXXX ( Account number XXXX ) and has the following inquiries : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX c XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX I became aware that my XXXX account has a XXXX XXXX XXXX account ( Account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ) and has the following inquiries : XXXX/XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX I became aware that my XXXX account has a XXXX XXXX XXXX account ( Account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), pheonix financial service ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ) and has the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
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| 05/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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PHOENIX FINANCIAL SERVICES Date Opened : XX/2017 Account : XXXX Amount : {$420.00} Office of the CFO, Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form. Please be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation : that is, competent evidence that I have some contractual obligation to pay you. Being that this was due to identity theft you are reporting negative information on my account that is not mine which is in direct violation of the FCRA section 605B. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorneys fees. Lastly, I hereby withdraw any prior consent, either expressed or implied, for you to communicate with me in any form other than writing. In the event that you can not properly validate the debt, then you are demanded to cease and desist communication in all forms regarding this matter. Any communication from you and/or any agents, subsidiaries, etc., will be regarded as willful negligence along with any other applicable violation ( s ) and prosecuted to the full extent of the law if deemed necessary. Govern yourself accordingly. Sincerely, XXXX XXXX CREDITOR DISCLOSURE STATEMENT Name and Address of Collector ( assignee ) : Name and Address of Debtor : Account Number ( s ) : What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms. Have any insurance claims been made by any creditor been made by any creditor or assignee regarding this account? Yes /no Has the purported balance of this account been used in any tax deduction claim? Yes / no Please list the particular products or services sold by the collector to the debtor and the dollar amount of each : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. X Authorized signature for Collector Date Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim can not be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
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| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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On or about XX/XX/XXXX I received a debt notice from Phoenix Financial Svcs, stating I owed {$93.00}. It did not list why or for who this money was owed. This was the first contact in regards to this. I selected " I want to dispute the debt '' and " Other '' and described in a written note that they did not include who I owed money for and why I owed this money. I also checked " I want you to send me the name and address of the original creditor ''. I mailed this form and letter to the debt collection company on XX/XX/XXXX. I did not hear back.
On XX/XX/XXXX I received notice from a credit monitoring company that a negative remark was placed on my credit history. I researched why and found that Phoenix Financial placed a negative report on my credit history affecting my credit score in reference to the {$93.00}. Also on XX/XX/XXXX, I began a dispute process with the credit reporting company who stated they would notify Phoenix of my dispute.
On XX/XX/XXXX - I received a letter from Phoenix stating this letter was in response to my dispute filed and stated the bill was for a company called XXXX XXXX XXXX XXXX '' for a date of service of XX/XX/XXXX. On additional pages it appeared to be a letter from a company named " XXXX XXXX XXXX '' with my information, insurance carrier, a diagnosis code, and XXXX codes.
I called the phone number provided by Phoenix for additional information as I was still not familiar with either company name and doing business with them in XXXX. I spoke with two people, both were rude and arrogant. One was allegedly a supervisor.
I stated I was calling with a complaint and also that I needed more information to proceed to pay money I owed. I stated the complaint was with their practice of putting a negative remark on my credit history after I requested additional information using the form on the notice they sent me and that they never responded. She had no answer other than I should have paid my debt. I said this leads to why I called for more information and that they still did not explain to me why I owed money and to who as I did not know this name. The lady stated it was for an ambulance I took from XXXX XXXX XXXX. I assured her I never took an ambulance with the name XXXX XXXX XXXX on the side and was not even familiar with a company by that name.
The supervisor was rude, arrogant, threatening, and unprofessional in her dealings with me. She refused to explain why they would not respond to my request for additional information and why they placed a negative report with on my credit affecting my score.
She hung up without helping me.
I did research and found that " XXXX XXXX XXXX '' is now the owner of a company called " XXXX XXXX '' who runs an ambulance company named " XXXX ''. So the original creditor information was never provided to me by Phoenix as requested and required.
I am disgusted with the business practices of Phoenix and how they affect my history without a care or repercussion to them. PLEASE HELP.
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| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Affidavit of Truth Notice to all, I, am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name /, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a, and autograph as the agent, in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it now present.
3. Facts, the Fair Debt Collection Practices Acts is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it and ; Fact, affiant and is aware and has proof in the attachment labeled as Exhibit A and B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do require subrogation of the bond to settle the charge On the date of XX/XX/2021. agent, XXXX First Middle Last came before me today present as a flesh and blood living being ( non entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 07/26/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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XXXX This morning at XXXX I received a phone call from XXXX from Phoenix Financial Services XXXX Rep only identified firm and some obscure medical provider and did not give more information so I thought it was a phishing scam. When I called back at XXXX, the rep was willing to offer more information on who they were, and what their relationship is to the medical debt. They claimed that they have been sending me collection notices for 3 years, none of which I have received. I had asked for them to confirm the address ; XXXX then confirmed that they had the wrong physical mail address, and was able to review my file and get the correct mail address which I confirmed. The rep then stated that they would still put a collection notice on my credit report despite that I have never received a proper notice from this firm in relationship to the debt. I made it clear that I was not refusing to pay on a debt that I supposedly owed, but I needed physical documentation to verify their claim. Again, they referred to the notices I have n't received because THEY sent them to the WRONG address for 3 years. I asked to speak to a supervisor named XXXX. XXXX informed me that they would move forward on putting the debt on my credit report profiles despite not being properly notified under the FCRA. Further, I had informed them that the debt was part of a workers compensation claim. The firm dismissed that claim, stating that my personal insurance was notified and had paid the debt. If they had paid the debt, I failed to understand why they were calling me. Again, I had asked for physical documentation to be mailed to me at the correct physical address that they finally confirmed. They also alleged that I was trying not to pay the debt. Again, under the FRCA, I was never notified of any debt collection attempts.
As a consumer, I am very wary of phishing attempts and have been apprehensive to release or confirm personal identifying information to unsolicited phone calls. I have never refused to pay outstanding debts if I am aware of them, and this claim was made under workers compensation which I was informed that everyone that had provided medical services were paid under the claim. I informed Phoenix Financial Service of this and they said they would move forward on putting derogatory remarks under my credit profile regardless in violation of FCRA.
This complaint is being filed in preparation that they were properly notified of the correct address, and that I will not pay any unsolicited collection attempts without reviewing who they are/what the debt is/who the medical provider was that they are representing. When I receive proper notification, I will move forward to rectify any outstanding accounts should they prove valid. If Phoenix Financial Services fails to provide such documentation, I will be exercising my rights to sue under the FCRA and also file a complaint with FTC and CA State Attorney General 's office.
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| 05/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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I. { PFS } reported to the Credit Bureau, XXXX a derogatory item of medical debt on my credit report before the date of the validation letter dated XX/XX/XXXX. XXXX has reported that { PFS } submitted the derogatory item on XX/XX/XXXX, irregardless of any time to determine if mailing was undeliverable. Upon further review on XX/XX/XXXX, I obtained a periodic copy of my credit report through { XXXX }, a credit reporting and scoring company the noticed the debt placed for collection on XX/XX/XXXX. Also noted in the COMMENTS section, is a false, deceptive, and a misleading representation, where { PFS } placed a designation that ACCOUNT INFORMATION DISPUTED BY CONSUMER, and which I could not had been on record of disputing any issues or items, when a validation letter was not even noticed or mailed before XX/XX/XXXX.
II. { PFS } is attempting to collect a debt where it, or the current creditor is not assigned or expressly authorized by the agreement creating the debt, and offered no proof that they have the legal right to collect the alledged debt, during the period beginning XX/XX/XXXX. Current billing records obtained from XXXX, a contracted provider of { XXXX } to store patients medical and billing records, requested by me on XX/XX/XXXX, provides that { PFS } or { PCPLLC } has not supported they can legally collect the alleged debt, and has refused to offer any proof when requested multiple times.
III. { PFS } is attempting to collect a debt where it used false, misleading statements and instructions in there XX/XX/XXXXXXXX validation letter, implying that I would receive an accurate verification of debt ; by the furnishing of proffered documents and records, before negative information was provided to credit bureaus. They have unreasonably refused to verify accuracy of the debt.
IV. { PFS } is attempting to collect a debt where it is clear there has been a billing error. I was not notified of the alledged debt until on or after XX/XX/XXXX at the earliest, where { PFS } in its validation letter dated XX/XX/XXXX, is using a different billing address used by the original creditor and the current creditor. Evidenced by the copy of { XXXX } alleged original billing statement requested by me from XXXX on XX/XX/XXXX ( invoice date XX/XX/XXXX ), and the { PCPLLC } verification letter dated XX/XX/XXXX, both use the same unknown billing address. The alledged original billing record from the XX/XX/XXXX billing period, includes a now due date of XX/XX/XXXX ( invoice date XX/XX/XXXX ) .This copy indicates that there is no payment due. If the alledged debt is determined owed by me, the reporting to any of the three major credit bureaus should not commence until a required wait period from the time I was first notified that the medical bill had become delinquent.
V. { PFS } is attempting to collect a debt where it has not provided a copy of a contract or other document evidencing an agreement of debtor.
|
| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX I was in the ER of XXXX XXXX XXXX ( XXXX. ) in XXXX, NJ. I never received a bill. Fast forward to XXXX I received a collections notice. I phoned the company to find out why I was in collections. I told them I never received a bill and I don't know what they are talking about. I then called my insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and after looking into their records they could not find any claim for {$2800.00} for XXXX. Called collection agency again, they said I didn't get a bill because the hospital had the wrong address. I called XXXX. and they said it was my fault because the address was wrong.
I said to her, " Why would I give you the wrong address when I have great insurance and it would have been paid ''. She just put the blame on me and hung up. I called my insurance co. and we called collection agency together to try and resolve. After more digging the insurance company said that the claim was " purged '' and that they can try and get it " unpurged '' but that I will not be responsible because of time frame and they had the wrong address. She also told me XXXX or I may not be responsible because of the statue of limitations and they will tell the collection agency that they can't collect from either of us. Approximately 30-days later I received a call from XXXX saying that they are not responsible because of the statue of limitations and that I'll be responsible. I said to her, " What about informing the collection agency that I am no responsible either? '' She backpedalled and said becuase they are out of XXXX they have no legal right to direct the NJ office to tell the collection agency they I am not responsible either. This is so unfair. When I went to the ER the nurse had to come get me from the ladies room where I was found on the XXXX in the XXXX XXXX in so much pain. Between XXXX and the pain I was in, they should have gotten my information from me when the Dr. administered the pain medication and I could think straight. Why would I give them the wrong address and give them the correct address of the company I worked for??? And how is it that the collection agency found me and the hospital couldn't. There is no such address because I looked it up. So, they had to be getting letters back as undeliverable. They just didn't want to do their due diligence to find the correct address. I'm listed if you do a 30 second search on the internet for me! And the collection agency just keeps telling me, Well, sorry the insurance company won't pay, we can set up a payment plan for you. It's unfair that if someone would have went an extra step further 6 years ago we would not be in this position. Now the bill is still unpaid, still on my credit report, AND although I am said to have really great credit I can not get a mortgage because of this fiasco on my credit report. So, I sit and cry because I'm exhausted from fighting. Please help me.
|
| 11/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Phoenix Financial Services ( hereafter referenced as " Phoenix '' ) is continuing to harass me with an invalid collection bill, months after it was paid in full. I would like them to cease contacting me or my family, with the exception of a written statement showing that the bill has been paid.
In XX/XX/2018, Phoenix phoned my wife and me several times about a collection bill for {$430.00} for medical services from creditors XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX. We explained that we needed to investigate, because we believed that the original creditors had already been paid. Nonetheless, Phoenix threatened to report the debt to credit agencies unless we paid them, and offered a " discounted '' amount to resolve the issue. I declined, and explained again that if the debt was valid, I would pay, but that we needed to investigate the validity of the debt before paying.
On XXXX XX/XX/2018 @ XXXX XXXX XXXX, because of my concern about a negative mark on my credit report, I paid Phoenix the full amount through their online system at phoenixfinancialsvcs.com. I continued to investigate the original alleged debt, but business travel in XXXX 2018 hampered my progress working with the original creditors. I have confirmed via my bank ( and bank statement ) that Phoenix received payment from me on XXXX XX/XX/2018, in the amount of {$430.00}.
I then received another letter from Phoenix, dated XXXX XX/XX/2018 more than a month after I paid their bill again requesting payment of {$430.00} for a debt that remains outstanding, and offering a discount offer of {$280.00}.
I called Phoenix on XXXX XX/XX/2018 @ XXXX am to ask why they sent me a letter when the bill had been paid months earlier. The Phoenix staff member indicated that it could be a mistake, but she couldnt see any record of payment on her side. She asked me to email or fax her my bank statement, which I declined to do for privacy reasons. She transferred the call to who XXXX, XXXX ( sp? ).
During my conversation with XXXX, I asked her who at Phoenix could look up the record of transactions to find the payment, since she stated that she could not. She answered no one. I expressed disbelief. I ended the call, and called back minutes later to state on the record that I would transition to written communication only to address this issue going forward. I am concerned that these aggressive tactics may be a common business practice of Phoenix, to get people to pay invalid debts multiple times.
I request that Phoenix consult their financial systems to verify receipt of payment of {$430.00} from me in XX/XX/2018. I would like them to send me written acknowledgement of the payment, confirming that there is no outstanding bill. After that, I would like them to cease contacting me or anyone in my family neither by phone nor by letter regarding this issue.
Warm regards. Thank you!
|
| 03/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.
This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules .
I also hereby reserve my right to take private civil action against you to recover damages.
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account PHOENIX FINANCIAL XXXX XXXX balance {$930.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing this complaint in response to your letter or phone call dated XXXX XXXX XXXX # XXXX, # XXXX, # XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.
Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
|
| 10/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is to dispute a debt by Phoenix Financial Services.
The company Phoenix Financial Services list a debt dated from XX/XX/XXXX by Original Creditor : XXXX XXXX XXXX XXXX.
Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}.
On XX/XX/XXXX I arrived in the State of XXXX with my child whose medical was with the State of XXXX called the XXXX XXXX XXXX. I took my child to an emergency doctor since he needed a follow up appointment for XXXX he had back in XXXX. Also, he was not a local resident in the XXXX of XXXX. Being in the XXXX of XXXX for only a week I had to make sure I could obtain medical service for my child. This included for all appointments and refills of any medication which is covered by his XXXX XXXX XXXX XXXX XXXX since that was all I had. Once I provided the Medical Insurance from the State of XXXX each hospital took the card and additional forms from the medical center in the State of XXXX regarding his XXXX and made copies.
In early XXXX of XXXX and immediately reached out to my lawyers office XXXX XXXX XXXX XXXX regarding this collection letter from XXXX. The current creditor listed is XXXX XXXX XXXX, XXXX.
By XX/XX/XXXX a dispute letter on my behalf was mail to XXXXhoenix Financial Services from my lawyers XXXX XXXX XXXX XXXX. ( See Attached Document ). In two months there was no response. On XX/XX/XXXX, a certified letter was mailed by my lawyer XXXX XXXX XXXX XXXX to Phoenix Financial Services to dispute the debt.
A response was received on XX/XX/XXXX from Phoenix Financial Services, LLC ( See Attached Document ) with their response that the creditor had already disputed the information with me. Also on the letter you can show it is not with a new current creditor listed is XXXX XXXX XXXX XXXX. Nowhere in the letter did the agency acknowledge the request to provide full details of medical charges made on XX/XX/XXXX. Second, there was no mention of insurance provided with this debt when at the time the billing was made by XXXX XXXX XXXX, XXXX.
I do not recall receiving mail from XXXX XXXX XXXX, XXXX for a medical bill while I was in the State of XXXX. I was only in the XXXX of XXXX for 5 months. I left the XXXX Of XXXX in XXXX of XXXX. This is the first letter I have ever received from Phoenix Financial Services dated XX/XX/XXXX ( See Attached Document ) regarding this debt from XX/XX/XXXX.
I only received the confirmation of Certified mail that it was received by Phoenix Financial Services, LLC date XX/XX/XXXX ( See Attached Document ). In addition, my lawyer reached out to Phoenix Financial Services, LLC by email requesting again, to provide more detailed information to verify debt. My lawyer did not get any response.
Today, I am filing with CFPB about this debt.
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| 05/10/2017 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I received a Collection Notice in the mail for an amount of {$3500.00} from Phoenix Financial Services LLC dba Indiana XXXX XXXX XXXX . Phoenix said they were contracted by XXXX XXXX XXXX XXXX XXXX . Phoenix assigned an Account # XXXX . They offered in their letter to provide a discounted settlement of {$2500.00}. There is no reference to where this originated and prior to this I have never seen a bill from a Hospital or ER for any type of Services this size. Also, I have had insurance for years and again have never seen a bill for anything this size. I am building a new home and working with my Mortgage Company, XXXX . I had a low credit score from XXXX and when I asked XXXX what was being shown that I owed, they referenced XXXX Account numbers from Phoenix Financial Services. Phoenix had split the {$3500.00} and showed it as XXXX derogatory reports to XXXX . XXXX for {$1000.00} and the other for the {$2500.00} which they keep adding interest too. They claimed they were making a deal with me to pay less but in fact they had split the amount into XXXX Accounts XXXX and XXXX . I believe these are false charges. My insurance would have paid any claims. I saw online that this same group o f Phoenix Financial Services a nd XXXX XXXX XXXX XXXX XXXX have scammed other customers and ruined their credit to make them pay something they never owed in the first place. One customer stated " When I received the " original charge '' fro m Phoenix Financial Services, I found that Phoenix ha d obtained my information from XXXX XXXX XXXX XXXX XXXX , including my name, credit card number and social security number. I then checked my records for the XXXX / XXXX / 2013 emergency room visit and found that I had paid the {$65.00} at the time of service. The charge on my credit report was false! ". This is what I believe has happened to me. I do not owe this money. I believe that XXXX is to blame and is in this wi th Phoenix Financial. Phoenix th en split the charge XXXX gave them and reported me to XXXX and I am not sure if they have to anyone else. They created XXXX Accounts and acted like they were doing me a favor by charging me less while not notifying that they have also reported the {$1000.00} they were claiming to give me off as another delinquent charge. Should I call them? I was instructed by my Mortgage Company to contact CFPB first. This is a scam that has hurt my credit. The removal of these XXXX charges would move my Credit Score fr om XXXX to XXXX . That makes a huge difference in what I qualify for. Can you please help me! My name is XXXX XXXX . My email is XXXX XXXX XXXX and my Mobile number is ( XXXX ) XXXX .
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| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
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| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
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| 06/29/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
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| 05/08/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE: XX/XX/XXXX PHOENIX FINANCIAL SERVICES LLC Permit No : XXXX Type : ADAD Permit Approved Date : XX/XX/XXXX Date Last Renewed : XX/XX/XXXX PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX Web :: www.phoenixfinancialsvcs.com Emai l : XXXX XXXX XXXX Phone : XXXX Toll Free : XXXX Fax : XXXX PHNX FINAN Your company have vi olated FCRA 615 ( f ) ( 15 U.S .C. 1681m ( f ) ) ( f ) Prohibition on sale or tra nsfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed ite ms may not app ear on my credit report if they can not be supported by any evid ence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under sec tio n 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the a ssignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under sec tion 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHNX FINAN I have report your company t o consumerfinance.gov A s a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Lit igation, Case No. XXXX , in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
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| 04/05/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX The collection Agency XXXX XXXX XXXX on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. They have also violated the following laws.
- 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
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| 06/02/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I took my son to the XXXX XXXX XXXX XXXX for a XXXX sustained during football practice. I paid my {$75.00} co-pay and later received a bill from XXXX XXXX for {$47.00} which I promptly paid. In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX ( XXXX of Mississippi XXXX XXXX XXXX for the amount of {$120.00}. I ( incorrectly ) assumed this was a mistake and had already paid this because my {$75.00} copay plus {$48.00} ( rounded up from {$47.00} ) equals {$120.00} which is the exact amount I had already paid.
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX XXXX that stated my account had been sent to them from XXXX. Once I received this, I dug further and realized that there were 2 separate {$120.00} charges, one from XXXX XXXX, and one from XXXX ( the doctor we had seen in the ER, XXXX XXXX XXXX XXXX. ) Once I realized my mistake, I paid the amount in full to XXXX XXXX XXXX on XX/XX/XXXX. ( Will attach receipt. ) In XX/XX/XXXX, I received yet another collection notice, this time from Phoenix Financial Services ( Agency Name ) with the current creditor listed as XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX and they sent me a statement detailing that I had paid and the date of payment received. When I contacted them back to let them know that Phoenix stated the date of service had to be on the receipt, XXXX XXXX Customer Service Representative told me that their receipts are standard and he could not include it on the receipt, but he did email me back stating the date of service separately. I will attach that correspondence that includes his contact information. I emailed the receipt and forwarded the email correspondence with XXXX to Phoenix. Phoenix then sent me a letter stating they had received my letter of dispute but that they had obtained verification from the creditor confirming the account information provided is accurate. The letter from XXXX also discloses that consumer reporting agencies report the account as disputed which indicates that they have sent this debt to my credit bureau. The number on the original XXXX bill is not a working number so I have no way to discuss this with them. XXXX refused to give me the number of the original debtor, and XXXX XXXX only has the doctor 's private practice number. When I called the private practice number, his business manager said she has nothing to do with that and would not give me an alternate number.
I have proof this debt is paid yet XXXX XXXX XXXX, XXXX continues to harass me, attempt to collect a satisfied debt, and according to their most recent correspondence ( attached ), I gather they have reported the debt to my credit bureau.
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
I look forward to your immediate co-operation.
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| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX..
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules.
I also hereby reserve my right to take private civil action against you to recover damages.
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| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, an Ambulance Ride was from XXXX XXXX XXXX to XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX They were an out-of-network, non-physician related service. The XXXX was delivered to my XXXX XXXX University XXXX XXXX XXXX at the time, XXXX, who paid {$790.00}.
A remaining balance of the bill was adjusted at that time, leaving a total of {$210.00}. Because the ambulance company didn't have any information other than my phone number [ confirmed by the medical records request given to the company, see attached ], they sent it to a third-party collections agency to collect the bill, XXXX. XXXX. After speaking with someone there I discovered that I had reported the bill had already been paid on XX/XX/XXXX, and they ended collections at that time.
I was an unemployed, part-time college student at the time of the bill, and was receiving financial assistance from my father, who ended up paying the bill for me. The bill never made it on to my credit report, so there's no record of it, or of it being paid. There's no official record of the bill ever being paid anywhere, other than the notes that I called in on XX/XX/XXXX and reported to the collection agency that it had been paid.
Fast forward to XX/XX/XXXX, when Phoenix Financial XXXX sent me a letter on behalf of XXXX XXXX XXXX XXXX XXXX, who apparently purchased the debt of {$210.00} from XXXX.
[ The XXXX XXXX bill lists the bill as being paid as the result of the purchase, but not that it was purchased by an outside company, simply that it was adjusted, and no further details made- it does, however, list XXXX and the number listed as being assigned and NOT the new company that 'purchased " the debt. So the bill I have does not show that the debt is owed, nor that it has been purchased or assigned to a new company, only to the old XXXX in XXXX ] I disputed the debt with the company, and filed a medical records release with XXXX XXXX XXXX XXXX and received a copy of the previously mentioned records in PDF Format [ see attachment ]. At this point in time, the bill is XXXX XXXX XXXX. I spoke with someone at Phoenix Financial, who informed me that the {$210.00} is still owed, and offered to allow me to pay half of it off - {$100.00} to settle the debt. I needed to do more research, since I believed this was covered by the 'no surprises ' act of XXXX.
The bill was technically created in XXXX, but the debt purchase was made after XXXX, which is covered by the no surprises act .....
I contacted the XXXX Surprises main help Desk. reference # XXXX, who then gave me contact # 's to XXXX XXXX XXXX XXXX, to whom I called and then went from there.
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| 05/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On Thursday, XXXX XXXX 2017 I received three consecutive phone calls at XXXX XXXX , XXXX XXXX , and XXXX XXXX from ( XXXX ) XXXX . The first two phone calls each rang once and then ended. I picked up the third call at the first ring, as I was able to recognize the number from the two previous calls. When I answered, the phone call immediately ended. I called the number back at XXXX XXXX . After it rang once, an automated message said, " All of our representatives are busy. Please hold. '' Almost immediately, a woman came on the line. I told her that I had three missed calls from this number and would like to know who was trying to reach me. She responded by asking me to verify my name ( first and last ). Being completely unaware of who was calling, I responded by asking, " Who is calling? '' She again said my name and asked me to confirm that it was me calling. I refuse to give or verify my name to someone I do not know, so I asked her to tell me who was calling again. She put me on hold. After a short pause, a second, different woman came on the line telling me she was trying to reach [ my na me ]. I told her that I would not verify anything until I was told who was calling ME three times in one night. This went back and forth a few times until she raised her voice. In an extremely abusive and disrespectful manner, she informed me that I " MUST STOP YELLING AT HER! '' I was in no way yelling, but simply asking her to tell me who was calling my personal cell number. I again told her I would like to know who is calling. With her voice still aggressive and loud, she yelled, " THIS IS PHOENIX FINANCIAL! '' a nd hung up the phone. I called the number back at XXXX XXXX and spoke with a third woman, named XXXX XXXX . I asked to speak to a supervisor and she put me on hold. She returned to the line and informed me that everyone had left the building and she was the only person left since they close at XXXX . I told her that I had just spoke to two people just before and would like to know who I could talk to now. XXXX told me that I had previously spoken to a supervisor named, XXXX . I informed XXXX of my frustrations and she said I would have to call back tomorrow in order to reach a supervisor. XXXX also informed me that their calls are recorded. I hope you can listen to that recording to see just how rude XXXX was. Their approach is very secretive and suspicious as they call you multiple times, demand that you verify your identity, all while refusing to tell you the name of the company calling or any other telling information.
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| 10/01/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/03/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 04/25/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Phoenix Financial Service is a debt collector for a Consumer called XXXX Hospital XXXX ( which is XXXX Hospital ). I had a debt in XX/XX/XXXX with XXXX XXXX for {$100.00} & {$41.00}. This debt was on my credit report. On XX/XX/XXXX I called Phoenix Financial at ph # XXXX which they agreed to give me a discount amount of {$73.00} to bring the balance to {$0.00} and erase it from my credit report per the representative. On XX/XX/XXXX I paid {$73.00} Confirmation # XXXX which made the account paid in full. On XX/XX/XXXX I received a credit alert to check my account immediately. Phoenix Financial had placed another debt on my credit for {$160.00} as of XX/XX/XXXX. I called Phoenix Financial at XXXX spoke to a representative by the name of XXXX or XXXX XXXX. i explained to this representative that i paid this debt in XX/XX/XXXX for a discounted amount of {$73.00}. Per the representative yes they did close that account as paid in full but they noticed another outstanding debt of {$160.00} from doctor XXXX or doctor XXXX on XX/XX/XXXX service rendered in an emergency room but he could not tell me the hospital name. I explained to the representative, there was no bill sent to my address and that isn't my doctor and wasn't seen by no doctor during that time. the representative said that i was treated for XXXX in an emergency room but he couldn't tell me the name of the hospital. The bill that i paid this Debt collector Phoenix Financial for services rendered in XXXX with XXXX Hospital of {$73.00} was for XXXX. per my credit report, Phoenix Financial placed this debt of {$160.00} as late payment or no payment ( not sure what it was listed ) for the month of XX/XX/XXXX on my credit report. How can a debt owed in the same month ( XX/XX/XXXX ) is reported in the same month to the Credit Bureau? Phoenix Financial is reporting a debt on XX/XX/XXXX ( that a bill that was never sent to my address in XXXX but per the representative they mailed the bill in XX/XX/XXXX three or four years later ) but yet they showed the debt being delinquent in XX/XX/XXXX on my credit report. Isn't that against the law and is fraud. I called XXXX Credit Bureau dispute center at ph # XXXX, per representative this debt will be removed since already paid. I asked the representative with XXXX how to prevent this Debt Collector from placing another bogus debt on my credit report? per XXXX representative, i need to file a complaint with the Federal Trade Commission. Can you please help me with resolving this issue and contact Phoenix Financial to inform them that this is fraudulent?
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| 03/06/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.
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| 08/09/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2018, I received a letter from a debt collector Phoenix financial claiming that a debt was owed by me to another debt collector XXXX XXXX. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, Phoenix clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, Phoenix furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. Phoenix Financial are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to Phoenix today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
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| 02/22/2018 |
No |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX, I was taking care of some personal business at my credit union and I had a few missed calls. One on the calls had said " Debt Collector '' with no phone number listed. Out of curiosity I pushed the button on my XXXX and there was a lady that answer the phone. When she answered she said is this XXXX XXXX and I said no, this is XXXX XXXX. She stated that she was calling to collect a debt and I told her I don't owe anyone so you have you can't be referring to me I pay my bills.
She then said, " You owe XXXXXXXX XXXX XXXXXXXX {$230.00} and I wan na know what you want to do with this bill ''. I told her I have not been to XXXX XXXX XXXX. She said we have had this bill since XX/XX/XXXXand I wan na know how you want to pay it. I said, XX/XX/XXXX are you kidding me, first of all I need you to send me a copy of this bill so I can see what it is I am supposed to be paying for. She said we already mailed you a copy twice. I stated I have not received any bills from XXXX XXXX XXXX. She then got nasty stating, " You have a good day '' and hung up the phone.
I then called back to get information regarding who this company was and she hung up the phone. I then called back about 5 minutes later to find out who this company was and a male person answered the phone and when I told him what happened he hung up on me as well. Neither of them EVER stated the name of the business nor were they professional in ANY way... answering the phone with a simple " Hello ''. I was unable to find the name of the company even through a XXXX search.
However, on XX/XX/XXXX I received an email from XX/XX/XXXX that there had been a change to my credit report and they suggested I log in to view the change. Then on XX/XX/XXXX I received an additional alert from Experian and XXXX XXXX as well. I logged in on today XX/XX/XXXX because I received an alert email from XXXX as well. When I logged in I notice that there has been a collection account added to my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN for {$230.00} and there is an N/A under the business type. I want this information removed from my credit report immediately and this inquiry conducted in a business matter by sending me a bill so that I can either confirm or deny that this is my bill and get the chance to dispute it as I requested, Whoever this person is that is handling this account I want them removed from it and another who has some business ethics and professionalism so that I can get this matter resolved.
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| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble.
According to the FCRA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows have some contractual obligation to pay your company.
I hereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt : Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety. including any application. accompanied by a commercial affidavit sworn to be true. correct. and complete. upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract agreement / promissory note ; Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account?
Please describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or oavment were accrued in your firm 's procedure, authorized by the consumer agreement and creating the debt or permed by law, 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ;
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| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 01/27/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
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| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and I am sick of it!! These medical bills, listed on my credit report, are NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
I look forward to your immediate co-operation.
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| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX, I received a letter from Phoenix Financial Services alleging that I owed a debt for services rendered on XX/XX/XXXX, seven years ago. The debt was allegedly incurred in the State of Florida. The statute of limitations on such a debt in Florida is 5 years. I gave the letter to my attorney so that he may respond accordingly.
Today, XX/XX/XXXX, I noticed a missed call from a number which appeared to be a local Georgia number. I called the number back. I did NOT hear the usual " Thank you for calling XYZ Business, etc. ". What I got was a real live man on the other end who asked for me by my maiden name. I replied " yes, that's me but that's my maiden name, who is this? '' to which he replied " Ma'am I don't have time to play charades with you '' and hung up the phone. Not only was his reply unprofessional ( I didn't even know at that time that I was supposed to be speaking with a professional ) but it made no sense. I tried calling back several times to try to find out what this was about and each time the phone rang the person would pick up and hang up. Finally, a woman picked up and identified the company as Phoenix Financial. At this point I was so angry and frightened that I could barely explain to the woman what had transpired with the previous caller.
The practice employed by Phoenix Financial today was beyond unprofessional, it was abusive. Not only is this company acting outside the scope of the law, but they went as far as to frighten and intimidate me by having an unidentified man call me from a number local to me behaving much like a stalker and not like the representative of any company. What's worse is that the man that originally called me was so creepy and unprofessional that I truly fear what he would do with any personal information he may have on me.
It should be noted that I have monitored my credit closely over the years and have never seen a debt owed to this company on my credit report nor have I ever received any communication, written or otherwise, from this or any other company regarding the alleged debt, prior to XX/XX/XXXX, a date well beyond the statute of limitations for this alleged debt.
As a XXXX XXXX survivor, I would also like it noted that Phoenix Financial went out of their way to obtain my brand new address and phone number apparently for the sole purpose of deeply frightening me being that the alleged debt has run its limitations.
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| 03/30/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Phoenix Financial Service, for committing identity theft. I have never given Phoenix Financial Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from Phoenix Financial Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Phoenix Financial Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I have not validated any alleged debt with Phoenix Financial Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Phoenix Financial Service any right to collect on this alleged debt.
I am legally refusing to pay this debt pursuant to 1692XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Phoenix Financial Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Phoenix Financial Service, continues its collection efforts, I will file for litigation for actual damages caused and Phoenix Financial Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 07/01/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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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.
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| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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| 09/13/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I contact Pheonix Financial Services via email about a debt I saw on my credit report from them. I stated that I did not have an account number and that if it was medical debt it belonged to my ex-husband per our divorce agreement in 2019.
I received a reply from : XXXX XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX toll-free XXXX general fax XXXX Correspondence was as follows : Me : I see a debt from you on my credit report. No information about said debt. No account number. Nothing. If this is a medical debt, I divorced and it is in our legally binding divorce agreement that my ex husband is to cover all medical debt. If this is a bill that never got sent to our insurance, I can not help you because I have different insurance. If you have no idea what this debt is, either do we.
Her : Thank you for your inquiry, please provide an account/reference number in order for us to assist you.
If you do not have one we can try locating by any of the following : Address, phone number, or complete social security number. I apologize for any inconvenience.
Me : The address this mail should go to is XXXX XXXX XXXX XXXX Ohio XXXX. If it isn't a medical billl, then I have no idea what it is and it is probably not my debt. I have no account number because I have never seen this bill.
Her : That address is not associated with an account in our system. I can try to locate the account with your phone number or social security number. You may also call XXXX and a representative will be able to better assist you in locating the account. I apologize for any inconvenience.
Thank you, Me : I feel like a search by my name would be adequate if it was a legitimate debt. I feel like this is a phishing scam. The date of your debt corresponds to the address I gave you. I suggest you send out an actual account number to that address identifying yourself and the account in question. I will not give any personal information to a possible scam.
This debt is XXXX dollars that keeps hitting my credit report over and over. I mean, it is XXXX dollars. My ex husband would have paid XXXX dollars had he seen a bill that was legitimate.
I don't know what this debt is and I am not getting answers, but my credit score has suffered to below XXXX now because of this mystery XXXX dollars that no one can tell me about unless I give personal information.
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| 07/04/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX. I was XXXX XXXX and provided all of my information at that time.
In XX/XX/XXXX, I received my first collections letter ( never even got a bill prior ) from XXXX XXXX XXXX XXXX. I called my insurance, XXXX, who stated they have never received a bill and would need a letter also explaining why nothing was submitted prior. I talked to the hospital who said they cant help and then I talked to XXXX again who took down my XXXX information and said they would work it.
XX/XX/XXXX, I get another letter from XXXX XXXX XXXX for the same debt. I spoke to them and explained what occurred last time and by the end they said they would work it.
XX/XX/XXXX, I get a bill for the same debt from Phoenix Financial Services. I call them and the first lady said that its not medical insurance to be billed its car insurance.. I found that odd so I called XXXX once again. XXXX confirmed they have yet to receive anything from anyone regarding this and whoever was billing needed to bill them. I called Phoenix Financial services back and told them basically the same thing I told XXXX is that they can bill XXXX. I was told they do not do that. That is the hospitals job and I had to pay a debt now four years old ( statue of limitations in MD is 3 ) or get the hospital to take back the file of debt and bill.
Its 4 years after the first visit and because someone didnt bill my insurance I am continuously dealing with debt collectors. The first few letters I thought would be the last as XXXX said they would bill XXXX.
Phoenix Financial is now stating they will file this on my credit report.
I do not feel as if I have to pay this debt because someone four years ago didnt file a claim with my insurance. I have provided my military ID over and over again for any collector or organization to submit the proper claims to XXXX to receive their money the correct way.
The debt is four years old.
I was XXXX XXXX XXXX and XXXX covered everything if they were billed.
No one has billed XXXX.
I do not think that is my responsibility to pay a debt when the hospital had my insurance ( billed it for other things ) and did not bill this. XX/XX/XXXX said it would be worked and I thought this was over.
I have never not settled a bill that I owed. I have either helped a billing department refile the bill or paid what I owed.
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| 04/19/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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Around XXXX XXXX, XXXX, I have received an alert for a collection on my credit report. I researched the collection, it was determined to be a medical bill from XXXX XXXX, XXXX for my son. I spoke with XXXX, XXXX XXXX XXXX. She explained it was {$620.00}. I contacted, XXXX, my insurance stated a claim had not been submitted. Upon further investigation, no one updated the contact and insurance information provided at registration. XXXX XXXX, XXXX XXXX XXXX XXXX, I received a call from an individual that stated she was calling for a debt for XXXX XXXX. She did not provide information on an amount or whom the debt was owed. I explained that I have recently disputed this debt, pending an insurance claim from the physician 's billing company. She began arguing as to I am responsible to submit the claim to XXXX, though she can not provide information as for who is the attending physician, the date of service, service provided, or an amount owed. She got extremely loud, stating that " I am responsible for this and I need to take care of this! '' Then she hung up without providing any other information. I spoke with my husband, and we called the original caller ID number, XXXX. Upon calling this number, I reached a company in XXXX, IN. The male on the phone would not provide his name and grudgingly gave the collection agency name, Phoenix Financial Services. He proceed to argue on how to resolve the lack of an insurance claim. He stated he needed my information, so that XXXX will pay the bill. I tried to explain that the physician needs to submit a claim to XXXX. He states that XXXX will not pay a claim after 1 year, which I know is a lie, as XXXX paid the emergency room bill from XXXX XXXX, due to hospital 's failure to update information properly. They were trying to use an address from 10 years ago. The male could not provide any information, as to whom the original creditor, contact information, or an amount of this debt. I have since, visited XXXX, name change from merger. The hospital was able to provide a phone numbers for possible outstanding physician bills. Also, I have not received any written notices from Phoenix Financial Services concerning any dispute right I may have in this matter. I do know that XXXX XXXX governs XXXX and the military health insurance when it comes to billing and what may be owed, after claims are made.
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| 06/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX XXXXXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
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| 12/09/2017 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me PHOENIX FINANCIAL SERV XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 08/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back.
I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.
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| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Older American |
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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.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 04/06/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This is a complaint in regards to Phoenix Financial Services LLC. I have been receiving several phone calls a week from a company when it shows up on my phone shows as XXXX XXXX. I would pick up the phone and they would hang up and this went on for several weeks. My phone deletes the call log so I am unable to obtain, we would have to contact cell phone company to obtain all the dates and times. Finally last week when I answered the phone the person spoke extremely fast, they did not tell me the name of their company but stated they were calling in regards to my medical file and needed to speak to me and needed my date of birth. I asked them to identify themselves and why they were calling and they repeated again that they were calling in regards to my medical file and needed my date of birth. I advised due to HIPPA regulations I did not have to speak to them about my medical file over the phone and asked that they inform me which doctor 's office they were calling from. At that time the person was very irate, stated then at that time she was calling from a debt collection agency and that she knew my date of birth at which time she blurted out and when I attempted to ask her what debt she was calling in regards to she hung up. I called back the phone number and no one would pick up. Later that week I received a debt collection letter from Phoenix Financial Services LLC located in IN stating I owe money to a current creditor by the name of XXXX XXXX XXXX XXXX which I have no idea who this company is nor have I ever received a bill from that company. I went online to research this company and saw several complaints online with similar letters stating the same exact thing. Stating they do not know who this company is, they never received medical attention from this company and were being told they were going to collections. I believe this to be fraudulent. I believe if this is a debt collector they violated several regulators, one by impersonating to be a medical facility, requesting my personal information, not verifying whom they were, why they were calling, what the debt was in regards to nor identify the company making the claim. Please note when you try to call XXXX XXXX XXXX XXXX the phone listed online with XXXX is the phone number to XXXX XXXX XXXX headquarters.
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| 03/15/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious PHNX FINAN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 06/16/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Phoenix Opened XX/XX/XXXX + {$1400.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Phoenix Opened XX/XX/XXXX + {$1400.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
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| 07/12/2016 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I received a call from XXXX with Phoenix Financial Services in regards to a debt of {$1000.00}. Information was given all at once and a payment was immediately demanded. I informed XXXX that I did not understand all of the information and began to ask questions- such as who reported the debt, how much is owed, by when, and the company name. With each question XXXX would raise his voice and shout the answers over me as I was talking. I informed him that I was a college student, and that I would speak with my Husband regarding the bill and asked to call him back. On this phone call I was presented with the amount of XXXX.
When I called back in, I advised XXXX that I would have {$400.00} from family, but that I did not know when I would have the rest. He advised for the second time " your doctor will only settle for XXXX % off the original bill ''. Since this was the second time I heard this statement I asked for my doctors name. The question went ignored. I then asked again, and I was advised " the company will not settle. '' At that point I believed that my doctor was over my debt, not the company. I then was informed that Phoenix Financial Services had bought my debt. In the attempt to settle my debt with all companies, I asked that my bill be sent to me in writing. XXXX offered an email, and I declined. I expressed my fear that in the future my agreement may be revoked, and that an email would not be accepted- as emails can be altered. He denied saying he could not mail it to me. At that point, I again requested it in the mail. He said no, and that he was taking my discount off the table. Because I was threatened to pay more, because I requested a bill- I knew it was time to talk to someone higher up. I then requested a supervisor, because XXXX had begun yelling that a bill was already sent. I explained that although a bill had been sent, I had yet to receive it- and that I wanted an updated copy so that I could send in the agreed upon amount. At this point I was threatened because I requested a bill, then I was yelled at. If this is not abusive language- I do n't know what is.
I spoke with his supervisor, XXXX who had no issue mailing out my bill. I advised her of my concerns- but no action was taken agains XXXX treatment of me.
|
| 10/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2021, I submitted a complaint through the CFPB portal, complaint number XXXX, regarding XXXX investigation into accounts showing on my credit report with data furnisher Phoenix Financial Services. XXXX responded to the complaint on XX/XX/2021 stating the data furnisher, Phoenix Financial Services responded and verified that the disputed information was accurate as reported. I never received any response or documentation from Phoenix Financial Services showing the alleged debts and alleged accounts to belong to me. XXXX also stated in their response that the results summary was sent to me for my review on XX/XX/2021. I received a response from XXXX online although I sent dispute letters in writing.
In XXXX online alert on XX/XX/2021, XXXX stated The account that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. I also received an alert dated XX/XX/2021 that the account with Phoenix Financial Services that starts with XXXX has been updated.
I sent a letter dated XX/XX/2021 to XXXX requesting verifiable proof that they have on file including the original contract containing my signature be provided to me. If the accounts were indeed verified with Phoenix Financial Services there should be an original contract on file with XXXX or Phoenix Financial Services that contains my signature that I should be able to view myself according to the FCRA. The dispute letter I sent to XXXX dated XX/XX/2021 is what resulted in XXXX response on XX/XX/2021 although online XXXX shows my dispute with a Date Submitted of XX/XX/2021.
There have been no contracts or any documents at all bearing my signature, for the alleged debts, provided to me by Phoenix Financial Services or either of the 3 major credit bureaus. Documentation without a written signature does not validate the debts and anybody can send a response or furnish any information and say it is mines. According to the FCRA, XXXX and Phoenix Financial Services have violated my rights as a consumer and I am requesting legal action to remove these accounts immediately from XXXX and any other bureau these accounts have been reported to.
|
| 08/19/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX
|
| 04/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had to be the one to play phone tag and find out who had my debt because I was never contacted. I found out that they had received my debt on XX/XX/2022. I called on XXXX XXXX XXXX to find out about my debt. I let them know that according to the Fair Debt Collections Practices Act that they did not contact me within five days of receiving my debt and because of that my debt is now invalid and it needs to be thrown out. I was told by a supervisor that it would be cancelled and they would be sending a letter to my address within 10 days that verified that it would be removed and cancelled. On XX/XX/2022 I called again because I had not received any notice like I was told I would be getting. Speaking to the supervisor, I was told that I was lied to and that they can not cancel the debt and send out a letter verifying the cancellation. I was told that it was still being disputed and that I may still owe if they find it to not be disputable. I let him know about the Fair Debt Collections Practices Act and by not removing the debt that they were in direct violation of it. When I had mentioned that, he got very pushy and rude and essentially told me that nothing is going to change and it is still being disputed. Then I was hung up on. I called back about 10 minutes later to try and get it removed and the same thing happened with the other supervisor that I talked to. I told them that I never signed any forms or papers stating that I agreed to this debt and that they are in direct violation of the Fair Debt Collections Practices Act. They then told me that I will need to wait because they are still disputing it with themselves. Throughout the whole process they as a company had violated almost every part of the Fair Debt Collection Practices Act and they did not seem to care and got very angry with me and hung up on me multiple times when I had mentioned the Act to them and how they were in direct violation. Also throughout the whole process I never received any verifying information from them or even a letter stating that they had my debt. The debt collections agency was Phoenix Financial Services seeming to be located in XXXX, IN.
|
| 06/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no idea who PHOENIX FINANCIAL INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PHOENIX FINANCIAL INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
XXXX. Provide the contract or other instrument through which [ Alleged Creditor } authorized PHOENIX FINANCIAL INC as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ PHOENIX FINANCIAL INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to PHOENIX FINANCIAL INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Graham Leach Bliley Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
|
| 02/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Today, Phoenix Financial Services called my husband of 3 months multiple times to attempt to collect a debt from Me. They verified my identity and information through him and then proceeded to explain the debt in which i owed {$910.00} but that they would settle with him for {$360.00} dollars and and how they would like to resolve the debt. We were not together when the so called debt accrued. They said he was listed as an emergency contact thats how they were able to find him but we were not together so that would be impossible. They have not contacted me even though my information has not changed. What they did was illegal, when my husband pointed that out to him, he argued and said nothing he did was illegal and if i did not pay the debt, he would report me for fraud. This company has illegal contacted my husband who is not listed on any document pertaining to this debt, verified personal information and broke HIPAA release law. They harassed my husband and me until i told my husband to ask them to no longer contact him and we had to hang up because we were being threatened and yelled at. Since their calls are recorded and monitored it should not be hard to hear the man enlisting his threat to report me for fraud because we asked him to not contact my husband but instead only contact me for my debt.
I have never not responded to their attempts to communicate with me, i sent them an email asking for all information they have saying i owe this debt and have not received it, they have sold my debt now three times and have hit my credit report twice every time effecting it multiple points. They say they have sold my debt but yet the same company contacts me everytime, everytime i explain the situation and how we can resolve it. So this is not a matter of me dodging communicating as i stated Prior they record everything and should have recording of me contacting them as well so that they did not think i was avoiding them. They are illegally finding information about my life and using it to have other people pay my debt for me. This is illegal. We have been harassed and i am tired of it.
|
| 06/15/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This number called me and when I returned the call, the male who answered the phone did n't state his name or the company he was calling about. The company actually left a message about them being a student loan forgiveness company and I called back to take my number off that list. Weird. He just said hello like it was his personal cell phone, then start asking for my social and birthdate, rightly so I would n't give it. I told him that 's not how you call about a debt. You have to give the statement about this is an attempt to collect a debt, he told me he does n't have to say that. I told him I was giving out my info over the phone and to send me verification of the debt. He told me, he does n't have to do that and hung up. I called back and then got XXXX, who finally told me this was Pheonix Financial and I informed her, you would writing up this report. She put me on hold for some other lady, who got upset with me for asking her to hold on for a minute, she told me she has other calls to take care of right now. Then after that hold for approximately 2 minutes and some seconds. I asked her to hold please, she had no minutes for me. Told me if was a business and I was holding her up, then hung up on me. I then called back a third time and told my name to XXXX, that I would recording the call myself this time. I gave my name and said I would like the verification of debt within 30 days in writing to the address they have on file. She told hold on, they like to put you on hold but not hold for a minute for you, transferred me to XXXX again, who said I would get the bill in writing finally and I wanted to her to state the company 's name, because through the whole phone call it was n't stated not even once. She then got angry and very upset and said before she hung up on me, she did n't give me permission to record the call. This was 19 minutes of my day. When called another company about another debt, the same day, it took me all of 5 minutes, no hang ups, no angry, and they did n't need me to tell them any info, they just verified it was me and they are sending something in writing.
|
| 06/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/21 I wrote a check for XXXX as a settlement to my account and mailed it to them. A couple days later I got another bill. So I called the man said he was gon na fix it for me and send me a receipt with the remaining balance. I guess with in the 2 days they got another Bill. I am behind on my medical debt from last year due to covid, and prior years due to high deductibles. So thats why I got another letter he stated. I asked him to mail me the receipt from the first one and send me the bill. So i could see everything in writing. He said ok and he would possibly call me back. Never got a receipt. They sent another bill, and sure kept calling. I talked to the next person and she was like oh there is a problem with your file. I said yeah, the guy was suppose to fix it and never sent me a receipt after another 15-20 minutes on the phone with this lady she was like I will make sure it gets taken care of. Never got a receipt. They keep calling. Again talked to another lady and she was like Ill make sure you get the receipt this time I am so sorry. The lady before hand marked me as refused to pay. Which was not the case. I wanted to see all the bills and the receipts in writing. So she apologized. And was like Ill get this out to you. Now today, I think it was a week ago. They called again. I called them back. Got a man. He was talking super slow. So i thought he was done, I said yeah I am still waiting for the receipt you guys are refusing to send me. He immediately snapped well let me finish. Did his little attempt to collect a debt spiel and hung up on me. So I dont know if they are fraud? Or trying to work me overtime? But I can not get a receipt. And they keep marking me a refusal to pay when they wont send me the information that I have requested at least 3 times. They say the same exact thing every time. Oh we will fix this and get you a receipt in the mail. And it never happens. I am not refusing to pay the debt, I am just making sure the company is being honest. If this company is being fraudulent and working against the laws. I believe a refund should be made.
|
| 03/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been going back and forth with Phoenix Financial Services. They called me stating I owe {$2700.00}. However, only XXXX is reported on my credit report for XX/XX/16. When I asked them who the original creditors were, they said XXXX XXXX XXXX from XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX, NY XXXX. I know I had no debt with them. I called XXXX XXXX XXXX billing ( now XXXX XXXX ). I spoke to a wonderful representative, XXXX XXXX. When I explained the situation, she was confused because they never worked with XXXX or Phoenix Financials and that they were sending a debit from four years ago. She informed me, they send it to creditors after one year of being unpaid. We actually called Phoenix Financials together on three way, XXXX spoke to a man named XXXX. She stated they never worked with them, nor did I owe any type of debt from the date specified XX/XX/16. I was never even seen by a Dr. XXXX, or even at the doctors on XX/XX/16. XXXX was very rude and hung up the phone on us and stopped answering. XXXX then reported it to her supervisor. I also called XXXX hospital services, they also verified they have never worked with XXXX or Phoenix Financials. They both sent me XXXX balance statements which will be attached. When I called Phoenix Financials back ( I have the recording on my cell phone ) to let them know the information they had was wrong, the woman hung up in my face after yelling at me. Also, on Phoenix Financials statement it says my address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I never been to this address or seen a Dr. XXXX. The address from the Doctor and Original creditor ( XXXX ) do not match. If you look Phoenix Financial Services up on the XXXX and consumer affairs, you will see that they have thousands of complaints and lawsuits about fake and inaccurate debt collections. The company has not cooperated with me, and refuses to remove it off my credit report. I would like this removed immediately and this company to be reported ASAP so it can stop harassing innocent people. I've also reported this with all 3 Credit Bureaus Thank you for your time.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 10/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX XXXX XXXX, my daughter, as a result of XXXX XXXX from mismanagement of her medications, XXXX XXXX XXXX XXXX XXXX. I rushed her in my car, to an in-network hospital where she received life saving treatment. She underwent XXXX XXXX and it was determined that for the safety of her life and continued life-saving treatment, she would need to be transferred to another in network facility for continued to care. She is a minor. We asked if we could transfer her in our car from the hospital to the mXXXX XXXX XXXX and were informed we could not. At no point in time was I ever informed that there would be charges beyond those covered by my insurance, allowed to choose an in network ambulance provider, nor was I even given the ability to consent to her ambulance transfer. I never received any paperwork regarding even what ambulance company was transferring her or anything regarding authorizations with the hospital. She was checked into an in network facility and transferred to another while she was checked in. I was then billed XXXX for this ambulance transfer. The company XXXX XXXX XXXX it has since been transferred to collections ), was paid an agreed out of network rate from my insurance provider, and charged me the remaining amount. I called them and requested information regarding this ambulance transfer and the documentation related to its authorization. I requested the documentation they received from the hospital regarding the ambulance transfer, authorization etc and they would provide nothing. They were completely unhelpful, refused to research the issue, and were distressing on the call. I then contacted the hospital billing department. The hospital stated they did not even have appropriate paperwork in hand for her transfer and told me they would research and reach out the ambulance company, as they didnt have record of appropriate authorizations etc. I followed up multiple times without response. The charge was then transferred to a collection agency of which I sent a letter stating the nature of the charge was erroneous. They never replied.
|
| 02/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an initial balance of {$1700.00} but agreed to pay {$1100.00} to Phoenix Financial Services LLC, which worked for XXXX XXXX XXXX. The person I spoke with said that the letters I receive in the mail will reference the initial balance rather than what I agreed to pay, but that it will be removed once I pay it off. This agreement was made around the end of XX/XX/2019 or beginning of XX/XX/2019. This debt was placed on my credit report. To pay off the {$1100.00} and have it removed from my credit report, I paid {$95.00} every two weeks for about 6 months, which I completed paying off in XX/XX/2019. I would consistently receive letters in the mail reminding me of the balance and the balance on the letters would decrease as I paid. I made the last two payments together to finish paying off the debt a little faster and to get it over with. The payments were automatic and completed by Phoenix because I provided my debit card information. After I finished paying off the agreed debt I received a confirmation number but never a receipt of payment, but the mark on my credit was removed. I also stopped receiving letters from Phoenix and never received a phone call or letter about any missing payments after I finished paying the agreed amount.
A few weeks ago, I received a letter from XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating I had a remaining balance of {$610.00}, which is about the difference between the initial balance and the amount I agreed to pay to Phoenix. I called Phoenix to see if I can receive a proof of payment since I paid the settled amount but I have not received anything from them and I gave them the confirmation number to see if that would help for me to receive proof, but they did not care for it and they said my payments were never completed, but I have every transaction number and I spoke with someone from my bank to explain the situation and they said all my payments were successful to Phoenix. I believe the {$610.00} amount was never removed from my account with Phoenix which is why I received this second collections letter.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX issues I keep running into the same issues with XXXX. I have attempted to make many corrections to the misinformation that is being constantly reported.
First, someone reported XXXX as an alias and they took that information as accurate.
They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses.
I disputed a lot of the addresses and they somehow appeared again this month.
Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA.
I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ).
Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ).
I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ.
A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training.
Back to XXXX, new address alert - XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago.
I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated.
I have had a XXXX membership since XX/XX/XXXX.
Phoenix Financial Services apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX.
Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA . Also PHOENIX FINANCIAL SERVICES has in fact re-aged an account the doesnt even belong to me. They failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation. PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. PHOENIX FINANCIAL SERVICES. has not even tried to contact me regarding this ACCOUNT.
|
| 08/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
XX/XX/2021 I received a letter from Phoenix Financial Services claiming I owe a debt to ACH XXXX XXXX XXXX XXXX XXXX. Not knowing who that is I went to the companies website listed on their letter only to see that their website does not exist. Questioning this is a fraudulent company. I called the number listed on the letter and a woman answered and made no attempt under the FDCPA to Identify me nor read me the required FDCPA Disclosure ( mini-miranda ). I informed her I was an attorney specifically in the collection industry and requested documentation of services as defined in the New Mexico ( state of my residence ) Patients Debt Collection Practices Act. She said I was making that up and she only adhered to the " Fair Credit Act ''. I asked if she was referring to the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ), she replied " the law of the land ''?? Assuming she is not trained as a collector I asked for a Compliance Manager. Another woman came on the line and stated that the Medical Center in question was in Omaha NE. I informed her I live in New Mexico, not Nebraska. She said she did not know much else. I asked for statements, she asked if I wanted to pay my debt. I outlined my dispute and complaint and she told me to get an attorney and hung up on me.
** '' Get an attorney '' would be inferring to the least sophisticated consumer a threat of legal action.
XXXX*The 1st rep did not state the FDCPA disclosure, mini-miranda **Refused to provide statements outlining services as dictated under XXXX XXXX Debt Collection Practices Act **My Dispute was not accepted and this debt is reported to my credit bureau.
*****The letter was sent from a known 3rd party vendor, deemed a violation by the 11th Circuit decision of Hunstein v. Preferred Collection stemming XXXX 's of " XXXX '' type cases to be filed in every court.
Pre-Suit Demand 1. Waive this debt 2 Delete this credit reporting 3. Restitution of {$1000.00} per violation outlined above.
Truly XXXX XXXX XXXX
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| 05/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by Phoenix Financial in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ).
These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX.
These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports.
I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct?
I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages.
Phoenix Financial has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against Phoenix Financial. In which, Phoenix immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
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| 02/21/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Phoenix Financial Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
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| 11/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received an alert stating my score has decreased due to a new collection. I then went to my report to see what new collection this could possibly be. I saw the Phoenix Financial Services showed as a collection ( medical bill ). I then looked at my report because I have not had any surgeries are anything done this year. I found that this collection agency previously reported this {$500.00} collection on XX/XX/XXXX and it was placed for collection ( date assigned ) XX/XX/XXXX.
I then called XXXX and asked if this reporting is legal, because it is not a new collection. I gave them my report number where I found the previously reported collection and they opened a dispute for me. I had to wait until Monday to call XXXX because of the XXXX Holiday. Monday I called XXXX and was told by an agent, after giving them the report number that the collection is not showing on that report nor was it previously reported. It's only showing the XXXX report date. I advised that I have a copy of my previously pulled credit reports from XXXX of XXXX and it shows on all three reports. I was told again that it was not showing and to call the agency. I said okay and advised a copy of my report would be sent to them showing this previously reported collection that is with the same company.
The collection agency nor I had any contact this XXXX year. So nothing has changed for this collection to be updated or re-reported. Since XXXX said this information is not showing previously and I have proof that it has, so I decided to make this complaint with CPFB. Since false information was given on both sides.
Is this practice legal? Can the same collection agency keep updating your collection as new? This updated collection has brought my credit score down 40 something points and I know when the collection was first reported my score was hit then. is it legal to hit my credit score every time the collection agency feels like updating. Asking, is it legal for a consumer to be punished repeatedly for the same collection?
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.
|
| 06/19/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
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First, " called before or after XXXX or XXXX '' is not my complaint. I was not offered a means to describe my complaint accurately before and needed to select something, however inaccurate, to proceed. My complaint is the available channels presented to me to contact my Collection Agency, Phoenix Financial Services LLC, have not allowed me to actually contact them. I want to rehabilitate my loan and have done due diligence in pursuit of this objective pursuant to CFR 682.405 's description of a borrower 's responsibilities. I have called my CA repeatedly, in the morning, evening and midday. Not once when I called was I able to speak with anyone about rehabilitating my loan. I left multiple messages stating my intention to rehabilitate the loan and giving my contact information, both phone number and email, and have not been contacted with a means to rehabilitate my loan. I have sent physical mail correspondence to PFS stating my intention to procure a rehabilitation agreement and have not received a response. I would have sent them an email or made my first rehabilitation payment online but from the information XXXX XXXX provided me neither is an option. When I contact my servicer or Guarantor I 'm referred to the Collection Agency. I have exhausted the means available to me and have yet to receive affirmation my loan is now undergoing rehabilitation. I am deeply concerned I will be denied the opportunity to rehabilitate my loan because the clock has run down. I have made every necessary effort to do my part in rehabilitating this loan in good faith. I sincerely hope the silence from my Collection Agency is just a delay -that a rehabilitation agreement is already on its ' way and I just need to be a little more patient. But the deadline for beginning rehabilitation on my loan is coming up and I would hate to be denied the opportunity to rehabilitate my loan because I was overly passive in waiting for my Collection Agency to come to an agreement with me.
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Medical Validation Letter with request for HIPAA authorization Phoenix Financial Serv Acct # XXXX To Whom It May Concern : On XX/XX/XXXX i recieved notification from credit bureau stating a collection on report that I was not a ware of. I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I have not received any letters for alleged debt.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to for anyone to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Please provide a breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back by mail.
Sincerely, XXXX XXXX XXXX
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My complaint is against Phoenix Financial Ser and XXXX XXXX ; there was a repeat derogatory delinquent account # XXXX reported back on my XXXX XXXX consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer XXXX XXXX report. I reached out to Phoenix Financial Ser, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency Phoenix Financial Ser. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why Phoenix Financial Ser purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX.
Next, I reached out to XXXX XXXX, I spoke with XXXX XXXX representative of XXXX XXXX, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a Phoenix state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did XXXX XXXX allow this derogatory debt to be placed back on my consumer XXXX XXXX report? XXXX said she would have to submit a dispute she did not know.
|
| 05/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have to credit agencies trying to collect on the same old medical debt, debt that should have been covered by either XXXX XXXX XXXX XXXX, XXXX, or Financial Aid.
I have verified that XXXX XXXX XXXX XXXX has a right to the debt but for 5 years every 3 months they remove the debt from my credit and then open new accounts and report it as new ( most recently as XX/XX/XXXX ) - every time I make progress repairing my life after being XXXX they tank my progress anywhere from 50-100 points.
Phoenix Financial is trying to fraudulently collect the exact same debt and I have verified with the hospital that the have no right to the debt.
I have been writing the credit bureas and collection agencies by certified mail for 3 years, As soon as I win a dispute and everything is removed then they once again report it again as new and I have to start the process over. I have sent in the actual dates of service provided directly from XXXX XXXX XXXX XXXX showing incorrect date and repetitive reporting of the same debt but again if they remove if they put it back on and once again tank my progress.
I have not made a single lat payment on since XXXX - and nothing that I should be repsonsible has gone unpaid, however, because of this cycle none of that is helping me.
On XX/XX/XXXX I was XXXX and almost XXXX, without getting the assistance I was promised, I ended up homeless and almost died 10 months later of XXXX. It took all that to get help. Some how 95 % was covered and paid through the coverage I qualified for, but some slipped through the cracks. I had to restart my entire life after losing everything and I should not still be paying for the mistakes of others that directly relate to an XXXX XXXX, I was forced to start over at XXXX years old and I don't have the money to fight this process or hire and expensive lawyer but I also should be punished continually, fraudulently and illegally for people that want to inaccurately and repetitively report items against you falsely.
|
| 09/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXXXXXX XXXX and XXXX XXXXonsumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the XXXX XXXX District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
XXXX. ) Phoenix Financial Service, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX LXXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
XXXX provide breakdown of fees including any collection costs and medical charges XXXX a copy of my signature with the provider of service to release my medical information to you.
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
|
| 05/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved a s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
|
| 12/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in 2015 I was found unconscious and rushed to the hospital. I had an XXXX that had XXXX causing my XXXX XXXX XXXX XXXX XXXX. I was in a XXXX for a bit and it took a while to get out of the hospital. It took even longer before I could get back to work as the injury had caused such severe memory issues that kept me from being able to hold a conversation or remember something for more than 2 minuets, at best, at a time. We immediately met my max out of pocket amount from my insurance company. My parent was advised that due to my circumstances she should draw up a letter of financial hardship to request help from the hospitals charity which was approved. The hospital 's charity took care of my out of pocket liabilities and my insurance company covered the rest. I was informed by my mother, who was handling all of this in my diminished capacity, that XXXX had sent a bill which she forwarded to the insurance company which reviewed the bill and told her they had already paid them their negotiated rate so do not pay this bill or anything they send you in the future as we were not liable for any other charges. Five years later I have had multiple collections companies try to collect on this same debt I was told by my insurer I didn't owe. I have had medical issues I've tried to get funding to resolve, that because of these collections agencies, I couldn't and still can't get funding for and have still yet to get fully resolved. Because of my time out of work, my diminished mental functioning at the time and getting laid off this caused us to lose my mother 's car, our apartment and caused massive amounts of financial struggle. XXXX of XXXX XXXX XXXX is the initial issuer of debt and the newest collection agency to acquire this undue debt is PHNX FINAN according to my credit monitoring tool. Please help get this resolved as this has caused extreme amounts of stress and further health issues not directly tied to a very traumatic period of my life half a decade ago.
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 01/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear PHOENIX FINANCIAL SERVIC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX I received a phone call from a Kentucky phone number and turns out it was XXXX Collections. They informed me they were trying to collect a debt that was made XX/XX/XXXX in XXXX Tn made by a XXXX XXXX with birthdate of XX/XX/XXXX. They also tell me the name of the ambulance service ( XXXX XXXX XXXX and the hospital XXXX XXXX XXXX which this person was taken. I told them they had the wrong XXXX XXXX and I had never been in XXXX Tn and had no idea where it was. They then asked if my name was XXXX XXXX and if my birthdate was XX/XX/XXXX and I said yes. They then, very rudely, tell me they have the right person and I have to pay this debt. They would not listen to anything I had to say so I hang up.
I go online looking for a phone number for the ambulance service but had no luck, so I look up a number for the hospital. Talked to a very nice lady, XXXX XXXX. I explained the situation and she looks up if they had a patient on that date. They did have a patient brought in to ER with the name XXXX XXXX XXXX, birthdate XX/XX/XXXX, last XXXX of XXXX XXXX and her address was XXXX XXXX XXXX XXXX, XXXX Tn. XXXX XXXX called the ambulance service ( XXXX XXXX XXXX and then called me back. She told me she informed XXXX the collection agency they turned debt over to was trying to collect from the wrong XXXX XXXX. I didn't get if they had typed in the wrong middle initial or left it out completely. XXXX XXXX gives me the phone number for XXXX XXXX so I can call. I call XXXX XXXX and speak to some named XXXX and explain everything again. All they tell me is a report will be filed so it can be investigated.
Somewhere along the way XXXX XXXX bought XXXX and then XXXX XXXX sold all debts to XXXX XXXX in XXXX and XXXX XXXX turned this debt over to Phoenix Collections. I have spoken to people from all these groups/agencies and no one will take responsibility for this error so I am forced to filing reports for Identify theft and Fraud.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
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I came back from a few weeks out of Town. I checked my mails on XX/XX/XXXX and for the very first time I got this mail from Phoenix Financial Services Debt Collection at XXXX address : XXXX XXXX XXXX XXXX XXXX Fishers IN XXXX for the amount of {$2000.00} from a XXXX XXXX XXXX Services way back XX/XX/XXXX. As far as I know I'm not aware that I owe any company or medical services such an amount. I never receive any bills from this company and from any collection agency in the past until this Letter from them dated XX/XX/XXXX for which before I even send back my reply -- They already sent a derragatory mark on my credit report. I have a good credit score history of XXXX plus then because of this my Bank alerted me of my credit report score declined due to this Debt collection report on my credit. I'm informed it's for an ambulance service for which I only had once in my whole life and it was medically necessary and I have a HEALTHCARE INSURANCE Benefits coverage throughout my life in the USA and it was covered and paid for by my medical insurance backed then because it was medically necessary ( i passed out ) Someone called the ambulance and I was treated in an emergency facility. Suddenly after too many years without getting any bills on that incident because it was all paid for as medically necessary this Collection Agency is ruining my life and I'm being destroyed that I owed this much. It's not right and it's not fair. Someone might be stealing my identity or using my past history to scam me? On that part I'm not sure what's going on but I'm totally disputing this action done against me by this collection agency. Please help inform and advise me on this matter. I need my credit report to get fix. I already disputed this to XXXX XXXX XXXX and in a process of filing a police report. I would need these Dispute reports confirmation document from your office to send to XXXX as they requested for it. Thank you. XXXX XXXX
|
| 09/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Failure to Pay was brought to my attention on XX/XX/XXXX by a phone call from XXXX XXXX XXXX by XXXX. She said she was calling to collect a debt due to XXXX XXXX for tests completed in XX/XX/XXXX in the amount of {$4.00}??. I told her I had no idea what she was talking about, I have never received statements for the above amount or from XXXX XXXX. She verified my address, which was correct but had the wrong apartment number. She had my email address and my phone number. She said it didnt matter, I still owed money. I thought the call was a scam at this point. She continued to try and collect over the phone. I told her I needed to see a detailed statement, and if I owed money I would definitely pay it, but not without a detailed statement. She said she would email the statement immediately at XXXX. I told her after I received the information and could verify the details I would make arrangements to pay this debt. I WAS NEVER EMAILED a statement, nor was a statement mailed to me, even though I gave her my correct apartment number. I was notified by email that my credit score changed due to a report of failure to pay. When checking XXXX XXXX, which sent the notice, I saw that Phoenix Financial SE reported that XXXX XXXX XXXX XXXX was the original creditor and the open balance was {$550.00}! I do not recognize that name. I called XXXX to request a statement, I was told it was too late and she hung up on me twice!
I received a second call on XX/XX/XXXX, this time from XXXX. She reported that I owe {$550.00}. Now its an E.R.visit from XX/XX/XXXX! I again asked for a detailed statement, assuring her that if I owed this debt I would pay it promptly, as soon as I verified its legitimacy. I asked if she would pay a debt she didn't know she owed without verifying it. She hung up on me. I have yet to receive a statement. Meanwhile my credit score has plummeted!
Please advise me on this matter. Thank you for your assistance!
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This Cfpb complaint is a request to help me remove the account does not supposed to be in my credit report. A collection company is still continuously reporting this account in my credit report. Please be informed that this case is considered as debt parking because the same original company and balance has been on and off my credit report. The original creditor of the account I am disputing is from XXXX XXXX XXXX XXXX XXXX for the balance of {$550.00} this was reported before in collection company XXXX XXXX XXXX on XX/XX/XXXX. During that time I disputed this account directly to XXXX XXXXXXXX XXXX and 3 credit bureaus. I even requested validation of debt because I am even familiar I am sure that I do not owe them anything. And after few months of disputing this account this was eventually removed XX/XX/XXXX. I believe that because they lack information and validation to prove that I owe this was removed. However, as review all of the accounts reporting in my credit report on the same XX/XX/XXXX report this is now reporting in other collection company PHOENIX FINANCIAL SERVICE. I confirm that this is he same account because of the balance and the original creditor. This is plain and clear debt parking concern. This debt from XXXX XXXX XXXX XXXX XXXX is on and off my credit report and being reporting in different companies. This is negative information that should not be in my credit file ever since. If XXXX XXXX XXXX give up and removed this account in my credit file due to lack substantial evidence then I need PHOENIX FINANCIAL SERVICE to remove this account as well in my credit report. This account has been affecting my credit score. All the credit bureaus has been reporting this account without making the collections company responsible with the accuracy of their report. It is almost a year that I am suffering for this inaccurate report. Please completely cease the reporting of this account in my credit report.
|
| 04/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX THIS WAS NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) this was removed from all 3 of my credit Bureau 's back in XXXX it took me several yrs to get this removed because this was never mine in the 1st place. This was just put back on all 3 of my credit reports XX/XX/XXXX and it was even just updated to being new as of XXXX XXXX, XXXX I contacted all 3 Credit Bureau 's I asked them to remove this, because it was never mine, I tried to tell them that this is not mine and that it was removed/ deleted off my credit report back in XXXX and it just put back on in XX/XX/XXXX ( UPDATED TO NEW AS OF XX/XX/XXXX ) I fought for the last 7 yrs or more to get this off my credit report and they finally took it off because it was not mine then PHOENIX FINANCIAL SERVICE bought it in XX/XX/XXXX put it back on my credit report then just updated it as new on XX/XX/XXXX just 3 days ago as new ( IT IS NOT MINE ) i FAUGHT FOR 7 YRS TO GET THIS REMOVED XXXX XXXX XXXX and XXXX will not listen to me I TOLD THEM GO BACK AND LOOK THAT IT WAS REMOVED in XXXX HONESTLY I have been trying to get them removed it again for the 2nd time, I was told once it is removed or deleted, they can not be put back on But it was put back on once again and just update to brand new on XXXX XXXX XXXX I worked so so hard over the past several yrs to get this removed for PHOENIX FINANCIAL SERVICE to buy it update it and put it back on PLEASE CAN YOU PLEASE HELP ME TO GET THESE REMOVED it was REMOVED BACK IN XXXX IT WAS 1ST PUT ON MY CREDIT REPORT BACK XXXX When I said back then it was not mine so all 3 credit bureaus removed it in XXXX and PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX Bought it said it was new updated it as a new account and it is not LOOK AT MY REPORT IT WILL SHOW THAT IT WAS REMOVED BACK IN XXXX AND IT WILL ALSO SHOW I PAY ALL MY BILLS ON TIME AND THAT I OWE NO MEDICAL BILLS THANK YOU
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a letter in the mail from Phoenix Financial Services for a debt I have no record of. The date of service does not match anything on my records nor does the amount owed. I have been paying the hospital and the doctors in question and I have never seen a bill for the amount they are requesting.
I called the company on XX/XX/18 to try and understand the discrepancy better and was met with a very angry man who informed me after a long communication regarding how this payment did not match anything on record, he would simply mark me down as refusal to pay and the company will continue to peruse payment for the debt owed by any means possible and hung up the phone.
I never agreed to these terms and simply wanted to find out why there was such a large difference in the date of service and amount I am said to owe. I called the company back and after two tries I was hung up on each time immediately. On the fourth call I got a woman who then transferred me back to the same man. I asked him for his name to which he told me had already given me his name three times. Upon the beginning of this conversation he did not tell me the conversation was in an attempt to collect a debt but instead yelled at me that he did not need to tell me his name. I reminded him not providing his name is unlawful and I would like to speak to a supervisor to which he told me they were closed and to call back tomorrow. He then hung up on me.
I never said I was refusing to pay I simply will not pay anything until I know the amount, date of service, and the company I am dealing with matches the records of the service provider and hospital. To me the practice of telling me they will use any means possible to collect the debt and they are marking me as refusal to pay, not providing me their name, and not telling me the call is in an attempt to collect a debt all violet the fair debt collection practices.
|
| 06/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I received a letter from Phoenix Financial stating that I owe them money for a medical bill. The letter said I had 30 days to dispute it and which I did. The letter was send out on XXXX XXXX and it was received by phoenix financial on XX/XX/2020. I asked them for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
On XX/XX/XXXX I received a letter from Phoenix Financial stating I owe this money and showed me a bill from another collection agency. This is not what I asked for and they did not provide me with this original medical bill that they say I owe them. Now I am asking them to remove this collect account off of my credit report or I will do the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau which I am now.
4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
I know my rights and I expect them to remove this account ASAP. I am attaching all documents that was send to Phoenix Financial and to comply with my demands.
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with PHOENIX FINANCIAL SERVICE./// PHOENIX FINANCIAL SERVICE willfully violating the FCRA Without my direct written consent PHOENIX FINANCIAL SERVICE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of any account on my behalf./// PHOENIX FINANCIAL SERVICE based on false and misleading representation with undisclosed material facts , which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// PHOENIX FINANCIAL SERVICE is harming my reputation XXXX by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) PHOENIX FINANCIAL SERVICE needs to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by PHOENIX FINANCIAL SERVICE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) PHOENIX FINANCIAL SERVICE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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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?
|
| 12/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I was in a car accident in XXXX and was taken by ambulance to the hospital. This bill was paid from my XXXX car 's Personal Injury Protection insurance.
On XX/XX/XXXX my credit score was XXXX, I happened to check it recently and found a company PHOENIX FINANCIAL SERV in the collection section of my credit and my score dropped over 100 + points. I immediately contacted them to ask what it was for, and they said it was an old debt for medical. The woman on the phone was beyond rude and asked for personal information. I ended the call and filed a dispute to have this removed through XXXX. A week later, the company confirmed on my credit report that it was paid, but they have not removed it. This is an erroneous credit hit against me.
XX/XX/XXXX - called XXXX today and they said I have to " fight '' with this company to have this removed from my credit. I am astonished a company can just place a medical collection on my report and refuse to clear it from my report after confirming with the credit bureau it was in fact paid and is not a valid collection.
Company Name that is reporting this charge : PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1900.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX How can a company find a 6-year-old invoice from my medical history and claim I owe this amount? Why haven't they removed this after it was proved to have been paid from my medical insurance?
What help can you provide me? I am very conscious of my credit and pay all my bills on time, this company needs to remove this from my credit report immediately.
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I received a letter from Phoenix Financial Services, a bill collection agency, that I was to pay them over {$20000.00} within 30 days or Id be reported to credit agencies.
This bill was originally from XXXX XXXX XXXX XXXX XXXX ) for an XXXX XXXX in XXXX ( over three years ago ). I had to be transported from my local hospital to my XXXX hospital in a city several hours away in an emergency situation that was threatening my newly transplanted organ ( transplant was at destination city ).
I never received any notice from XXXX over the past three years that I owed them any money this letter from collections is the first Id heard about any outstanding debt. After looking it up, I see that the statute of limitations for trying to collect this sort medical debt is 4 years where I live ( in CA ). ( but again, I never heard a thing from XXXX ) ) I called my insurance company today ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) and they said that XXXX *did* bill them and that XXXX XXXX paid them over {$3000.00} my share was to be {$250.00}. ( they are sending me a hard copy of my EOB ) However, I guess XXXX is *not* in-network. AND YET, they have an exclusive contract for services in my county.
I guess this is an instance of balance billing which I understand is illegal in most instances in California BUT that ambulance companies can somehow get around this rule. Is this true?
How to handle this?
Im waiting for a call back from Legal Aid Foundation in my city ... and...
I called the State of CA insurance consumer hotline and, though very kind, they cant help deal with providers only private insurance companies. He suggested that I speak to a lawyer.
Can XXXX XXXX XXXX this to me?
I'm a rule-follower, pay my bills, keep my insurance updated, own my home... but this just seems wrong. Do I have any recourse?
Thanks for any insights.
|
| 07/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XX/XX/XXXX - PHOENIX FINANCIAL SERVICES fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed.
XX/XX/XXXX PHOENIX FINANCIAL SERVICES is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report.
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, XXXX XXXX XXXX ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting.
No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under.
The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business.
Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; PHOENIX FINANCIAL SERVICES and XXXX XXXX XXXX are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.
|
| 06/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I need to repair my FICO credit score in order to get a home loan. It plummeted XXXX points because of this issue. I went to the XXXX at XXXX XXXX Hospital in XXXX, Pa in XX/XX/XXXX and since I was XXXX, they sent me to the XXXX XXXX department first. Then I was sent to the XXXX where I paid the copay. I received a statement from the XXXX XXXX, but not from the XXXX. Since I never received a statement from the XXXX, I thought I didnt owe anything else. Then I got a bill from a collections agency- Phoenix Financial Service . I called my hospital to inquire about it and they called me back almost 2 weeks later. I ended up messaging them through XXXX online portal because they were taking too long to get back to me. The rep said that I didnt have any collections due. So I thought the matter was resolved. Fast forward to XX/XX/XXXX and Im trying to get a home loan and I cant because my score was damaged because of the collection claim. When I spoke to a billing rep for my hospital, she said that the XXXX department goes through another agency called XXXX XXXX XXXX XXXX. I received calls from this number several times but I thought it was a scam- trying to get my credit card info to pay my hospital bill even though I had already paid it ( or so i thought ). I called XXXX XXXX XXXX XXXX and the rep was unkind and just said youll just have to deal with collections. So now Im trying to repair my credit score because the XXXX department failed to notify me that I would need to pay my Bill, not through XXXX, but through an entirely different company. I have paid the collection agency ( Phoenix financial ) in full. I have no other debt collections. My credit score was XXXX and now it is at XXXX. I worked hard for years to build my credit and it has been ruined by one collection due to a massive miscommunication with billing.
|
| 06/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I contacted Phoenix financial Services Inc on XX/XX/XXXX because I am in the middle of refinancing my home and just discovered that this company is reporting 2 separate collections debts on my credit report. On XX/XX/XXXX when i called I spoke to a XXXX XXXX I was told there is no pending debt they no longer have the debt in their offices and that this account had been sent back to the originator. I was very upset that this company has ruined my credit reporting accounts they do not own. I requested a letter to be sent to me stating that I do not owe this debt to them and I was told by XXXX that he would be mailing me a letter and having this removed from my credit report. However, 2 weeks passed by I still haven't received a letter from them I contacted them again because I am on a time crunch time since I am in the process of refinancing my home and need the letter and debt off my credit report. I called on XX/XX/XXXX spoke to 4 different representatives which 2 confirmed once again the company does not have the account in their offices. I was trying to resolve this matter I spoke to a supervisor who was extremely rude and stated they had no record of my call with XXXX. He demanded that I pay the debt that other representatives clearly told me they no longer had in their offices when i refused and asked for proof he hung up the phone. I have attempted to access this information online with the account account number that was on a letter I received from them, but I am not able to pull up any information. This leads me to believe that they do not own the debt and they are illegally reporting a debt on my credit that I do not owe and trying to reage the debt with a new account number. This has affected my refinancing rate that has now gone up because they failed to send me the letter and remove this from my credit report.
|
| 01/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
|
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On XX/XX/XXXX I ran my credit score and found a outstanding bill, that had been sent to Pheonix Financial for collection. On XX/XX/XXXX I emailed Pheonix Financial requesting debt validation. On XX/XX/XXXX I called Pheonix Financial. They informed me about a hospital bill from XX/XX/XXXX, for my child, that was in a different state from where we live. I mentioned to Ms. XXXX from Pheonix Financial that I had not recieved any calls or bills from anyone regarding that matter. She told me I can call my insurance company and ask them to pick up the claim. I called my insurance company for more information, they informed me the bill was paid and gave me a electronic check number. I called Ms. XXXX to tell her the good news, and she proceeded to tell me how my insurance covered the hospital portion of the bill but not the physician portion of the bill, so my remaining balance was over {$800.00}. I asked what my options were, who I could contact to resolve the matter, because my son was always covered by insurance, and I do not want to owe anyone money. Her solution ( which she made sure to let me know she was recording at this point ) was to pay a discounted price of over {$600.00}. She also then said my insurance would likely not pick up the claim because of the date of service being over a year old. I explained that I should not be expected to pay a bill I have never been addressed about, nor that is financially my responsibility when my child was covered by health insurance. We disconnected and I called my insurance company. He placed me on hold, and he contacted Phenoix Financial. He came to the resolution that the reason for the bill was because the hospital did not put my childs insurance information in correctly. My insurance says this will take 30-45 business days to be reprocessed, and I will be covered by them fully.
|
| 05/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX XXXX XXXX for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and XXXX have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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For longer than past 2 year 2 collection accounts are been impacted my credit records. To start the been reported for investigation because they are not mine, but every single time the collectors re selling the account to another company and the get away with that to report the accounts over and over. After request investigation from the 2 out of 3 credit companies XXXX and XXXX they concluding the account are valid and they do not change or modify my report.
Collection companies send me a letter asking to send a police statement to prof is fraud, after contact XXXX county sheriff office, they told me they are not in charge of these investigations, the job is done by credit agencies. Well my attempts fail over and for more than 2 years and credit agencies not providing anything back to me to validate the fraudulent accounts same as the multiple debt collector that these accounts are been pass over and over. When I call them they just tell me the call is going to be recorded and ask me my name and personal information to access the system after that the questioning back if Im the person on the account and after mi confirmation now Im confirmed the account is mine they told me in bed to paid and is recorded and they disconnect the call if Im no agree on what they said. Same thing happening today as I called XXXX fraud department and XXXX took my call she asked me my social and after Im pausing to times and she warning me about not guess just one shoot to provide the number she said thanks for calling XXXX have a great day and hand up the phone on me.
Same as the debt collector when Im not accepting the accounts are mine. Seems like Im obligated to said yes they are mine accounts even when they are not and pay for something is never been use or order by me? As the only way to solve the problem. Very frustreted.
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| 02/10/2019 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I began receiving multiple phone calls on my cell phone from a masked phone number on XX/XX/2018. When I finally answered one of the calls, the individual speaking said she was a representative of Phoenix Financial. She asked my name, which I confirmed, but when I asked what business she was calling in reference to, she hung up on me. On the same date, I called the number back from my work line and spoke with someone who was very unprofessional. He didn't provide any information regarding a debt because he stated he didn't recognize the number I was calling from. When I asked if his business practices involved calling from masked numbers and hanging up on people, he replied " Absolutely. '' I was taken aback by this response and before I could ask that he not call again, he hung up on me. Since XX/XX/18 I have received numerous phone calls on a daily basis from masked numbers that I refuse to answer. I received two letters from Phoenix Financial, dated XX/XX/2018, referencing alleged medical debt. The amount of {$1700.00} with the original creditor XXXX XXXX XXXX is disputed, as my insurance company has covered a large portion of this debt. The second alleged debt is completely disputed. Due to Phoenix Financial 's extremely poor reputation, I immediately contacted them in writing to ask for proof of ownership of either debt which they have not responded to. Today, I checked my credit report and for the first time both debts have been listed by Phoenix Financial Services. I am disputing this debt through XXXX and am making a formal complaint against Phoenix Financial Services for their failure to disclose proof of debt, harassing phone calls where they provide no information and simply hang up without stating the purpose for the call, and for listing two disputed debts on my credit report without substantiation.
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| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX when I moved to XXXX from XXXXdue to my job I bought a house, right after I applied for a mortgage a debt appeared on my credit report from an emergency in XXXX, which was paid fully ( I have a good insurance and made all my o-pays etc ... ) nonethe less since I was in middle of buying a house my mortgage company sent a check to phoenix financial and added it to my mortgage and I was OK with that as moving was complicated enough and I did not want to deal with things.
Now I am refinancing my house same company Phoenix Financial appeared on my credt report 2 days after my refinance application. They stated a debt from XXXX ( 7 yeats ago ) this time I called asked for original invoice from medical group they said they will provide it if I give my ss number and I ewas XXXX to provide the number, they sent me an invoice with their name. The credit report stated XXXX XXXX XXXX XXXX. So I tried to call them but they do not exist, none of the accounting office could verify I had a debt. I disputed to charges, still under investigation but when investigation started Phoenix Financial changed the name of creditor from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, which also does not exist. And they changed type of debt from attorney fees to medical In the mean time my credit score went down, my refiance terms tuned out to be worse than my original finance and Phoenix financial refuses to provide the references regarding original debt, if I have that I can go through my health insurance statements and see what is going on.
Can you please help, I am a har working single XXXX year old voman, lost my fiance two years ago and am trying to go on with rest of my life. Phoenix fiancial already has taken XXXX dollars and something during my last home purchase and they are just preying on my situation.
Thank you XXXX XXXX
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| 09/06/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've disputed several creditors numerous times due to a false report made on my credit for a " medical bill '' they have all taken the debt off of my credit report ... fast forward to today I went to check my score ... There is a Phenix Financial Services trying to collect this same debt! Which in the past other creditors have tried to collect and when disputed it was taken off ... With Phenix I've sent them a request asking them for proof of debt about a year ago and it said it was removed but it's back on there! THIS TIME IT SHOWS THE SAME AMOUNT {$1100.00} REPORTED 8 TIMES IN THE SAME DAY FROM THE SAME ORIGINAL CREDITOR " XXXX XXXX XXXX '' with " PHENIX FINANCIAL SERVICES '' TRYING TO COLLECT ... Then there is another one with a different price of {$580.00} THAT IS LISTED TWICE IN THE SAME DAY by the same collections agency " Phenix '' for the same original creditor! Then it shows AGAIN for the amount of {$110.00} by them! So now I have 12 times in the same day Phenix reporting to my credit to collect a debt they bought from XXXX XXXX XXXX that I've disputed in the past and it had been removed! I don't even know who XXXX is or what Medical debt they're talking about? I never recieved a bill either! I'm a hard working mother of XXXX I've been saving for the last 12 years to put money down to buy a home I've been working on my credit for the last 6 year 's and now I have to deal with this! If this isn't illigal it ABSOLUTELY SHOULD BE! 12 TIMES! THE SAME AMOUNT IN THE SAME DAY FOR THE SAME THING?! THEIR BILLING PRACTICES AND DEBT REPORTING ESPECIALLY DURING A TIME LIKE NOW WITH COVID GOING ON IN THE MIDDLE OF A PANDEMIC WILL CAUSE ALOT OF HURT AND A LOT OF DAMAGE TO FAMILIES TRYING TO DO THE BEST THEY CAN IN THESE CIRCUMSTANCES! THIS IS NOT RIGHT and I ask that you please look into how they do business.
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| 07/11/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Older American |
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I disputed a collection account posted to my XXXX credit report XX/XX/2023, by Phoenix Financial Services LLC ( Acct XXXX XXXX ).
I received notice by mail from Phoenix Financial Services on XX/XX/2023, claiming I allegedly owed Phoenix Financial company {$1800.00}.
XX/XX/2023, I sent certified Validation Request to Phoenix Financial Services. Phoenix Financial Services received my certified letter XX/XX/2023. I explicitly instructed Phoenix Financial that I was disputing this claim and they were not to report this account as a collection account while this dispute was pending.
XX/XX/2023, I reviewed my credit report and found that Phoenix financial had gone ahead and reported this disputed account as a collection account to my XXXX credit report.
XX/XX/2023, I sent second certified Notice XXXX FDCPA Violation to Phoenix Financial Services LLC. Phoenix Financial Services received this letter on XX/XX/2023. This letter informed them that they had violated the Fair Debt Collection Practices Act by failing to respond to my Validation Request and by posting this disputed collection account to my credit report. I further instructed them to remove this collection account from my credit report and discontinue all collection efforts.
As of this writing, XX/XX/2023, this account is still showing on my credit report as of collection account and I have received NO to written response from Phoenix financial and feel they are now in violation of FDCPA.
I am requesting assistance from FCPB to help clear this from my credit file and file formal complaints against Phoenix Financial Services.
Please note, I have taken steps to secure legal representation for the purpose of pursuing damages for what I consider a blatant misuse of our credit reporting system and violation for the FDCPA.
Best Regards
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| 01/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
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Web |
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I live in XXXX XXXX, the calls come in in the middle of the night.
I have told them as such and they hang up. This is a recent, since XXXX.
These calls from Phoenix financial XXXX, XXXX Maryland XXXX XXXX XXXX, Maryland, XXXX, XXXX Maryland, XXXX XXXX, Maryland, XXXX XXXX XXXX, Maryland, on caller Id . will hang up once I try to handle their problem.
I ask pointed questions about the false claim to collect some mystery debt and then they hang up on the phone, when I try to investigate where this alleged debt comes from. which leave me powerless to clear this mystery debt up.
So I have no idea what unsustained debt they claim to be collecting on. Furthermore I have not lived on the East Coast of the USA for 6 years. I have lived a debt free life since XXXX. I have been a XXXX XXXX XXXX, and the last two residences I have owned and lived in for 25 years has been mortgage free : paid cash in-full. I pay cash for my homes and vehicle since XXXX. I pay my credit card balance off every month since XXXX. I carried a balance and paid interest on my credit cards from XXXX to XXXX to finance, while working and attending XXXX XXXX, to pay for my wedding.
What ever the alleged debt is I am not being proved with information too dispense of it. I get theses calls to collect, and not manage. From where I sit, I am not being provided with any information on the claims to address and rectify. Phoenix Financial only has an interest in collecting a mystery debt.
These calls started to come into my phone XXXX. AS I have previously stated I have not live in XXXX Maryland for 6 years+ years, specifically I departed XXXX Maryland XX/XX/XXXX, and only kept a non resident presence in XXXX Maryland unto XX/XX/XXXX. I also have been living in XXXX, XXXX XXXX, XXXX for 3 years.
Thank You.
XXXX XXXX
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| 04/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted by a debt collector called Phoenix on XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating this was from XXXX years ago, and defaulted XXXX years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law.
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card 10+ years ago, but it was paid off. I have not had one since then.
The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my Husband. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc.
I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in XXXX the date debts expire is XXXX.
I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received.
The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up.
They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
|
| 09/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX XXXX ) I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.PHOENIX FINANCIAL SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 08/30/2016 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al.
If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain.
I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA.
You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA.
Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA.
2. You violated 1692e of the FDCPA.
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA.
4. You violated 1692j of the FDCPA, etc.
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| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX Phoenix Financial Services, LLC called at XXXX XXXX claiming I owed XXXX. I apologize that I dont remember the name of the lately I spoke with because it was never clearly stated to me. The debt I owed was also never clearly stated to me. I asked her simple questions regarding the debt. She told me it was from a ER visit back in XXXX. That visit was because I was XXXX assaulted but, was not going to go into those details with her. I kindly explained to her that I had visited that hospital on a couple different occasions and that they definitely has my health insurance card on file. She explained to me they didnt and even if they did it was to late to process the payment with the health insurance. I kindly told her I had never received record of this debt prior to to this conversation I had with her. She then told me yes you have we spoke on multiple different occasions. I let her know that was inaccurate and asked her how she got my phone number as I had changed it when I moved. She then proceeded to yell at me and say she was not going to continue this argument and that she would be reporting me to the credit agency. I let her know she could not do that because I never received any information regarding this bill and never knew I owed anything to the hospital because they had my health insurance card on file and never sent me a bill. I do not want to have contact with this company ever again. I asked them to not call my phone again however, they placed there account in collections on my credit report leaving me no choice to have to reach out to them again. I will not be harassed by a company who is bringing up a triggering time and now effecting my credit for a situation I never deserved to be in. Please, help me and get them off of my credit report
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Two collections were owed and were being collected by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was handling this collection for XXXX XXXX. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019.
On XX/XX/2019 I received a collection notice from Phoenix Financial Services in XXXX IN in the amount of {$650.00} owed to XXXX XXXX XXXX XXXX. Again this collection agency was handling the collection for XXXX XXXX. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX for the same kind of stuff.
Now Phoenix Financial is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am aXXXX XXXX XXXX service connected XXXX Veterasn. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at XXXX XXXX picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is XXXX XXXX continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.
|
| 06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I called Phoenix Financial Services LLC the number I dialed was XXXX. I got a notification from them for a debt from a supposed hospital group. Upon calling the individual never announced who he worked for or what he did answered the phone as hey its XXXX gave him information that I received in the mail on XX/XX/2019 and asked about where it could have come from so that I knew where to start and find out more information for myself. He asked if he could look at what I was talking about I said yes he said he couldnt pull anything up it was too old. He gave me a hospital group out of XXXX I told him I did not live any where near there so needed some more specifics he berated me asked me how I couldnt understand how a doctor cant work in other states and then belittled me. Told me to pay for it and that I know what he is talking about and said come on quit playing with me started raising his voice told me to pay or he will take care of it other ways. I do not know what that means but to say it was unprofessional and absolute shock is an understatement. I would hope their phone calls are recorded, it would surprise by my first impression with this man if they werent. Would not give me info acted like a pushy gangster and threaten me over something to this point I know nothing about. He gave me a date from 4 years ago and then proceeded to get mad, loud, pushy, and derogatory towards me. I still have no information and this was so absurd and offensive not to mention he says have a good day cut me off from any question at all and hung up. This individual never gave me an proper intro to this company I had to ask if it was the right number he never asked for an account number or anything just said his name then went negative and demeaning within a minute on the phone.
|
| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A debt collection company by the name pf Phoenix Financial Services has placed an open account on my credit report on XX/XX/XXXX. In my research this stems from an ambulance bill. The service date was XX/XX/XXXX, I almost lost my life this day. The ambulance bill was taken care of by or should have been taken care of by the Texas XXXX XXXX XXXX XXXX, as well as my employer XXXX XXXX XXXX XXXX who had also insurance through XXXXXXXX XXXXXXXX. This was a work related incident. The originator of this bill was XXXX XXXX XXXX, hence XXXX. My credit score is now destroyed, prior to this collection that appeared out of nowhere, showed my credit report with good and exceptional credit. This fraudulent and erroneous collection that was placed on my XXXX score caused a plummet of XXXX points. I have disputed this with the 3 credit agencies, XXXX, XXXX and XXXX and deeming this as identity theft. The Workers Compensation is also reviewing as well and my pervious Employer, XXXX XXXX XXXX XXXX and XXXX XXXX. This company Phoenix Financial should have never put this on my credit report as a collection. This company according to complaints with XXXX and yourself is destroying peoples credit and life. Please investigate to close this company for continuing to destroy peoples credit with placing false collections of peoples credit report. They need to delete from credit report and reinstate the score prior to this fraudulent collections. How are they able to get away with identity theft and place it on someone's credit. This is clearly with so much evidence a workers compensation claim. If there are any one fighting to get their name cleared from these false collections, please share and help us fight so no one else is destroy by Phoenix Financial Services-Collection Agency .
|
| 08/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have never received any communication from Phoenix Financial prior to them putting this {$1500.00} debt on my XXXX and XXXX credit reports. No letters, nothing. In the two reports they claimed my first date of delinquency was XX/XX/XXXX, yet I didn't even go in the hospital until XX/XX/XXXX so how could I be delinquent before I went in the hospital? Is this even my debt? I don't think so. All medical debt incurred for my ONE hospital visit was paid by my SSI XXXX insurance so I truly believe this to be a scam.
For months Phoenix Financial reported this unverifiable medical debt to my XXXX and XXXX credit reports erroneously. After disputing this debt online and sending Phoenix Financial a debt validation letter ( with no response ) XXXX and XXXX removed this debt from my credit reports. Fast forward a few weeks, to today, XX/XX/XXXX. I was alerted to activity on my XXXX credit report. It turns out that Phoenix Financial is now reporting that same bogus medical debt that was removed from XXXX and XXXX now to my XXXX report AND IF THAT WASN'T BAD ENOUGH, they duplicated it and reported the same account for the same amount of money FOUR TIMES, EACH with a different " open '' date and none of the dates matched the date they first reported on my other two reports.
That's right, they took the same {$1500.00} debt and duplicated it four times using different " open '' dates. These are highly deceptive, fraudulent practices by this debt collector who is knowingly breaking federal law under the FDCPA. If they don't remove these false debts from my credit report I will sue them and I will win! This is criminal and I will not continue to let them harass me like this. I appreciate any help you can give me with this rogue company. Thank you.
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I recently was denied credit based on a collection account reported on my XXXX credit report which drastically dropped my credit score substantially. Upon investigation with the credit bureau I noticed that a company called Phoenix Financial services on XX/XX/XXXX placed the collection account on my XXXX credit report. I also contacted Phoenix Financial Services and was told that it was am ambulance bill from XX/XX/XXXX from XXXX which I did not pay in the amount of {$1500.00}. I had a XXXX XXXX XXXX in which it was settled and the medical bills were paid through the attorney that I had in the XXXX XXXX XXXX case. Contacted the attorney 's office and the medical bill was paid through my insurance company XXXX XXXX with which I had full ambulance benefits covered under my plan. I contacted XXXX XXXX and we was on a three way call with ambulance company. In that discussion, the ambulance company XXXX never submitted the bill to XXXX. XXXX had my XXXX card membership number which my Daughter game them while I was being transported to XXXX hospital on the direction of my Daughter. Now because of the statute of limitations XXXX told XXXX that they can not pay the bill because it was never submitted to them for payment and now they are trying to biil me directly. My coverage and medical benefits has not change since XXXX. XXXX did merge with another company who in turn decided to report the debt as a collection account to XXXX. Please note that I never received a bill since XXXX from XXXX until XX/XX/XXXX from a collection agency without even notifying me what the debt was for. I want this removed from my XXXX Credit report immediately and any other Credit reporting agencies.I believe it is a violation of my rights under FDCPA and FCRA.
|
| 06/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Date XXXX Amount XXXX Company : Phoenix Financial Service , for XXXX XXXX XXXX XXXX Received call from company representative on approximately X/XX/17. Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u ( XXXX ) who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.
|
| 04/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
I was alerted that my credit score ( by XXXX ) had been reduced and went to the site to see why. I saw that I had been placed in collections- for an ambulance bill dating back to approximately XXXX. I got the information and call the agency that had placed me into collections ; it was Phoenix Financial Services contacting me in response to an ambulance bill from XXXX XXXX XXXX. I called them and asked why I was in collections. They stated that it had to do with an ambulance bill that I had incurred while living in XXXX I explained to them that any and all medical bills, from that period, were and have been paid for/covered by XXXX XXXXXXXX XXXX XXXX as I had began receiving SSI and they covered all of my medical bills. I later moved to XXXX. As I spoke with the representatives, their only concerns appeared to be 1 ) getting my current address and 2 ) arranging for some type of payment arrangement. I let them know that I had never received any communications from XXXX XXXX XXXX or anyone stating that I had an outstanding medical bill and knew nothing about the outstanding bill until the current year, XXXX. They also mentioned my old address - letting me know that the reason I had never been contacted was that, if any correspondence had been sent, it had been sent to the XXXX XXXX XXXX address. They are now focused on forcing me, an elderly & permanently XXXX woman, living on SSI, to pay for an ambulance bill that they failed to make me aware of, from over 6 years ago and that they failed to collect payment for from the responsible party - the Social Security Administration. I should not have to suffer because they failed to have a current address and contact me, years ago, about the outstanding bills ' existence.
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Phoenix financial services, LLC Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$210.00} Dear Phoenix financial services , LL I recently received communication from you to collect the above-listed alleged debt.
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney.
Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
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| 02/16/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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The company Phoenix Financial Services attempted to contact me on two different occasions, the first time was around XX/XX/XXXX. The collection agent failed to read any mini Miranda or hippa law, and did not even know if he was speaking with the correct person. I began to ask more questions about the call and advised the collector I had filed bankruptcy on XXXX XXXX and that the debt had been included, once the collect was aware He stated He would send out a letter and I could acknowledge via mail.
On XX/XX/XXXX I received an alert from XXXX that a collections account had been added to my credit report, I contacted the number provided ( XXXX ) XXXX again it was the same collector this time he did verify my information and read the mini Miranda and stated He just wanted to know if I was still refusing to pay. I then advised the individual of the prior conversation in which a collections letter would be sent and I have yet to receive one to my knowledge, and that I had filed bankruptcy and the debt had been included. The collector then stated was the bankruptcy discharged I agreed and advised of the information given prior to the 2nd call. The collector stated we can work this out somehow in payments if I could settle the account being the account was purchased. I advised the collector that I was told the debt could not be collected on once the bankruptcy was discharged, he then stated a few different payment options as I ended the call with a feeling that the company was not able to call or collect on the matter.
Date opened XX/XX/XXXX First Reported XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection company : Phoenix Financial Services Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
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| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My half-sister ( XXXX XXXX XXXX ) visited XXXX Hospital in XXXX, XXXX in XX/XX/XXXX, where she took my niece to be treated. I was not present and had no knowledge of this visit. Over a year later, her unpaid balance suddenly showed up on my credit report, with the bill coming from XXXX XXXX XXXX ( XXXX ). I visited XXXX Hospital in person in the fall of XXXX, where they discovered that my name had " accidentally '' been added to the account as a guarantor. I had my name removed from the account. XXXX contacted the debt collector and the debt was removed from my credit report.
In the spring of XXXX, the debt showed up on my credit again, this time from a different debt collector. I went through the same process again. I disputed the debt, called XXXX, called XXXX, and the account was once again removed from my credit.
In XX/XX/XXXX I relocated to XXXX, XXXX for work. Within a few weeks of my move, a debt collector ( Phoenix Financial Services ) sent a letter addressed to XXXX to my new address in XXXX. I returned to sender and included her correct address. Now the false account has showed up on my credit report again. I immediately called XXXX, who acknowledged their mistake and admitted that my name was not completely removed from their records. I then contacted XXXX and demanded that she pay the bill immediately, which she claims to have done. Finally, I disputed the false account with Phoenix. Phoenix responded to my dispute yesterday and said that the account was " verified '' and that they have proof it is my account. This is impossible since I never signed anything, was never present at the hospital for any treatment, and have never been financially responsible for XXXX or her daughter.
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| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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Once I became aware of the account on my credit report I disputed the account and requested verification on XX/XX/XXXX. I followed up with the creditor by phone on XX/XX/XXXX and spoke to a representative ( XXXX XXXX ) who confirmed they received the dispute on XX/XX/XXXX and mailed out the itemization on XX/XX/XXXX. While on the line she also confirmed my correct mailing address as I have not received any correspondence from the creditor. I called back on XX/XX/XXXX, spoke to representative ( XXXX ). Requested that this account be deleted from all credit bureaus as I have not receive any correspondence they claim to have sent. Regardless, if sent, it would have been outside of the 30 day timeframe required by law. This rep informed me that XXXX requested for another itemization be sent to me and the only thing he could do is to request another be sent out. I advised him, it was still outside of the 30 days from the date of dispute. XXXX stated if I was going to talk like that that " he would just throw me to a manager ''. I spoke to manager, XXXX XXXX, who asked " how may I help you? ". I again, explained the situation and as I started to request for deletion of the account he spoke over me. I confirmed that the first thing he asked was " how may I help you? '' so I don't understand why he's speaking over me while I'm answering. Advised we would not have a good dialogue if that's how the conversation is going to go. XXXX XXXX replied, " If you're going to be smart, I'll just disconnect the call. '' I told him I am requesting for the account to be deleted from all the credit bureaus due to your failing to reply within 30 days in which he replied with a firm " NO '' then he disconnected.
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent.
XXXX XXXX, ****XXXX XXXX***, XXXX XXXX XXXX AND PHOENIX FINANCIAL SERVICE**** are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist.
THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
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| 07/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent PHOENIX FINANCIAL SERV a debt validation letter on XX/XX/21 through certified mail with a green receipt ( # XXXX XXXX XXXX XXXX XXXX ) in regards to 2 collection accounts they placed on my consumer reports ( XXXX, XXXX, and XXXX ). I did not give PHOENIX FINANCIAL SERV written or oral consent to share my private medical or financial information with any consumer reporting agencies. I received the green receipt back to my location on XX/XX/21. The green receipt shows that the letter was received by a person listed as XXXX, an uninterested party in this matter, on XX/XX/21. In the debt validation letter I requested that PHOENIX FINANCIAL SERV send me a breakdown of fees including any and all collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and that they immediately cease any consumer reporting until the alleged debt has been validated by me. It has been 20 days and I still have not received a written response from PHOENIX FINANCIAL SERV. However, on XX/XX/21, I received a notification that PHOENIX FINANCIAL SERV has removed both collection accounts from my consumer reports ( XXXX and XXXX ). I still need a response in writing so that I can exercise my right to validate this alleged debt. PHOENIX FINANCIAL SERV is in violation of 15 USC 1692g ( a ). PHOENIX FINANCIAL SERV is also not in compliance with the HIPPA law. I need this matter to be resolved immediately because it has caused me embarrassment, defamed my character, and placed me in financial hardship. At this time I am demanding that PHOENIX FINANCIAL SERV send me all documentary evidence so that I can validate the alleged debts.
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| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX?
Me : Yes, I 'm sorry who is this?
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX?
At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique.
Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill.
Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill.
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '.
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information
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| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Phoenix Financial Services, LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
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| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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MY NUMBER IS ON THE DNC REGISTRY FOR YEARS NOW AND I HAVE NOT REMOVED IT FROM THE REGISTRY. MY PHONE NUMBER IS XXXX. PHOENIX FINANCIAL SERVICES LLC CALLED ME FROM XXXX. THE TEXT TOLD ME THEIR PHONE NUMBER WAS XXXX. THEY TOLD ME THEY WERE ATTEMPTING TO COLLECT A DEBT FROM XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX. WHEN I CLICKED ON THE LINK IT DID NOT ALLOW ME TO INSTRUCT THEM TO STOP CALLING OR CONTACTING ME. THIS IS A FDCPA 1692F AND 1692G AND TFC VIOLATION OF 392.301 ( a ) ( 8 ) - AN ACTION PROHIBITED BY LAW. I HAVE A RIGHT TO OPT OUT OF CALLS AND TEXTS AND THEY MUST ALLOW ME TO DO SO. I CLICKED ON THEIR LINK AND TRIED TO INSTRUCT THEM TO STOP CALLING ME BUT I WAS UNABLE TO DO SO. THEIR WEBSITE FORCE ME TO THEIR " NOTICE '' PAGE AND IT ONLY GAVE ME TWO OPTIONS. TO PRESS A " CONTACT US '' OR AN " OK '' BUTTON. I DO NOT CONSENT TO ANYTHING SO I DID NOT PRESS THEIR OK BUTTON. WHEN I PRESSED THEIR CONTACT US BUTTON THE PAGE FLIPPED TO ANOTHER PAGE AND THEN BROUGHT ME BACK TO THE ORIGINAL NOTICE BUTTON. OVER AND OVER AGAIN, THE SAME THING HAPPENED. THIS IS ILLEGAL. IF THIS DEBT IS NOT MINE THEY SHOULD HAVE SEARCHED TO SEE IF MY PHONE NUMBER WAS REASSIGNED. THEY DID NOT SEARCH TO SEE IF MY NUMBER WAS A REASSIGNED NUMBER. THIS IS A 1692 ( B ) VIOLATION. THERE ARE ALSO MANY TCPA VIOLATIONS HERE TOO. THEY USED AN ATDS OR ADAD TO CONTACT ME. I WROTE TO THEM VIA TEXT MESSAGE LETTING THEM KNOW MY NUMBER IS ON THE DNC REGISTRY AND INSTRUCTED THEM TO SEND ME A COPY OF THEIR DNC POLICY AND TO STOP CONTACTING THEM. I DID NOT RECEIVE A RESPONSE. I GAVE THEM MY EMAIL SO THAT THEY COULD SEND ME THEIR DNC POLICY. I ASKED THEM IF THEY HAD MY CONSENT TO CALL ME WITH THEIR ATDS OR ADAD.
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Phoenix Financial Services ( PFS ) called me in XXXX asking for payment on a auto loan that was repossessed in XXXX. After talking with the rep I told them I had no intentions of paying the debt and the call was ended. A few weeks following the call I pulled my credit reports to get updated information and I saw that PFS had placed a new account on my credit reports on date XXXX dropping my FICO score of 28 points. I called the company after reviewing the information on my reports and explained some of my concern with the rep that took my call. She informed my that she would get a manager on the phone with me. I was then transferred to a manager/supervisor. He asked me to verify some information for him and some of the information he had on his file was incorrect such as my date of birth .After asking this information he stated that the debt isn't " new '' but that the date the account shows on my credit report must be the date they received the account. He did not even see that they had placed anything on reports, at which point I advised him they had and he needed up to date information. I asked the manager if this was a example of aging an old debt, and he advised me that no it was not, and once ( if ) the account leaves their office it would be removed from my reports. I then explained the original account from XXXX is now going on four years old and according to my reports it now looks as if this account just happened last month. He then stated they are here to help me get it off my reports by offering me a settlement. After rejecting this offer, he then said the call was wasting both our times, and I should seek legal representation. I then ended the call.
|
| 11/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently file a complaint with the cfpb ( complaint attached ), The company PHOENIX FINANCIAL SERV claims that. Unfortunately, we are unable to locate a definitive account match based on the information provided.
I gave them my last number of social security. the account # how appears in my credit report and they said they can locate my file.. How can they be reporting something to my consumer reports and they don't even have full information of the alleged account. ( consumer report attached ) This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, They should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX
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| 04/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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: Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { PHOENIX FINANCIAL SERV } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { CPHOENIX FINANCIAL SERV } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
|
| 02/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have received NOT ONE written, digital or any other form of communication regarding two recent claims submitted on my credit report. Both claims were submitted on XXXX XXXX, XXXX by a single collections Agency : PHOENIX FINANCIAL SERVIC ( stated servic, not service, on report. ) I have zero knowledge of these accounts and did not receive the services claimed, so it is impossible I owe money for services that were never rendered to me.
I do not owe a single XXXX to either claim and will sign an affidavit under penalty of perjury stating I do not owe this money. The claim is inaccurate. I do not claim ownership now, nor will I ever.
I do not claim the account on the basis of false and/or inaccurate information, coupled with the fact I have not received one notice or any other type of communication by this collection agency PHOENIX FINANCIAL SERVIC regarding the alleged account ( s ), ever.
Inaccurate Claim # 1 : -Opened : XX/XX/XXXX - Alleged Open Balance : {$1300.00} -Type : Blank, not stated.
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX XXXX XXXX XXXX -- Inaccurate Claim # 2 : -Opened : XX/XX/XXXX -Alleged Open Balance : {$1100.00} -Type : Blank, not stated.
- Remarks : Placed for Collection ( most recently XX/XX/XXXX ) - Responsibility : Individual -Original Creditor : XXXX XXXX XXXX I researched XXXX XXXX XXXX, who they cover, and I have not received services. The type of service on the alleged open account is not stated by the collections agency, I have never received one notice or attempted communication by XXXX XXXX XXXX, either. I do not owe a single XXXX.
|
| 01/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX via XXXX XXXX ( third-party service provider for XXXX XXXX XXXX XXXX XXXX ), and Phoenix Financial Svcs ( debt collector ).
There is a current mark on my credit report pertaining to an ER visit at XXXX XXXX XXXX on XX/XX/2020. This debt was sent to collections ( Pheonix Financial Svcs ) by XXXX XXXX XXXX XXXX via XXXX XXXX.
The amount requested by the debt collector is : {$1000.00}. I did receive one statement from them during the month of XX/XX/2020, however, this statement appeared to be fraudulent due to the fact that it should have been processed through my health insurance provider. I was in contact with the hospital through the settlement of my bill, and I was notified that everything would be processed directly via XXXX XXXX XXXX. Since I had ignored the statement believing it was invalid and fraudulent, this bill was not paid and was sent to collections ; seemingly unpaid for by XXXX XXXX XXXX as well. I am now unable to get into contact with XXXX XXXX XXXX XXXX and Pheonix Financial Svcs - I have tried filing disputes through credit reporting agencies, requesting validation of the debt to be collected through the Pheonix Financial Svcs website contact form, calling numerous times over days, and I also have tried calling in and sending in message forms through the XXXX website contact page.
I've had one reply from XXXX, in which they responded to me with a request to contact them by phone. My disputes filed through the credit reporting agencies did not make any difference either, as the debt collector was alerting credit reporting agencies ( XXXX, XXXX ) that the collection is valid and still outstanding.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the XXXX CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!
|
| 07/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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In XX/XX/2018 I reviewed my credit reports and found ( 2 ) accounts that I do not have any knowledge, that I never opened. Both accounts under the account number XXXX are being reported for ( 2 ) different balances {$34.00} and {$1200.00}.
On XX/XX/2018 I contacted the company Phoenix Financial Service by letter disputing the account balance of {$34.00} the {$1200.00}. I requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report held with the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that this debt that can not not be validated be removed from all reporting bureaus.
I have yet to receive any response. I have waited for over 30 days for the company to respond in a timely manor and adhere to compliance but they have not. I refuse to wait until this company decides to respond and put this issue right so under advise, I wish to informed Phoenix Financial Service that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA or 2. the deletion of this invalidated account from my credit reports
|
| 08/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act.
Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint.
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| 09/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish..
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. failing that, the item must be deleted from the report as soon as possible.
Creditor agency : Phoenix Financial SE {$1800.00} the listed item is completely inaccurate and incomplete, and is a very serious error in reporting. please delete this misleading information, and supply a corrected credit profile all creditors who have received a copy within the last 6 months, or last two years for employment purposes.
Additionally, Please provide the name, addresses, and telephone number of each credit grantor subscriber.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description the procedure used to determinate accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of completion of your re-investigation.
Sincerely XXXX XXXX SS # XXXX
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| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Hello, My name is : XXXX XXXX XXXX I was a victim of a crime in Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I was a victim of a crime, the state of Florida paid all my medical bills. This bill is for the ambulance that took me to the hospital. The original debtors ( GLOBAL MEDICAL RESPONSE ) were paid but didn't mark it as paid. Then 7 years later I just got contacted by ( XXXX XXXX XXXX ) saying I owe a collection account of {$460.00}, that past is due as of XX/XX/XXXX. They have already marked my credit derogatory. I never once in 7 years was contacted by the original debtors saying I owed any money. The judge and police officer in the case said all the bills were taken care of and paid for. I believe this was a filling error. According to the state of Florida, they received the money and probably didn't mark it as paid, then sold it over to a new debtor 7 years later in a mass sale of debt clients. I know this to be true because my medical bills exceeded {$18000.00} and everyone else got paid. This was for an ambulance service and was the very first bill I submitted to the state. According to Florida law I and not liable for any medical bills in my scenario since I was a victim of a crime that they prosecuted.
In accordance with the Fair Credit Reporting Act XXXX ACCOUNT # XXXX, PHOENIX FINANCIAL SERVICE has violated my rights.
15 U.S.C 1681 section 602A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
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| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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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.
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| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I found a state of Florida funded program that claimed to not charge for a 3 momth program of XXXX ( XXXX ) treatment. I was accepted into said state funded program. I had XXXX XXXX XXXX, recognized by the admitting nurse at the facility. Instead of deferring admission, the nurse called an EMT. I was under the impression one program was responsible for the other, so I did not contest the nurse 's discretion then and there. Ultimately, I was sent via ambulance to another facility and am being invoiced {$300.00} for treatment that costs {$5.00}. I am being invoiced $ XXXX for an ambulance ride when an XXXX would cost {$10.00}. A cab might cost {$20.00}. I would attempt to resolve this with said facilities but, ultimately, these specific institutions have violated the original terms of my agreement with them and they have lost my trust. This went to a factor, acting to collect in approximately 60 days. I was still in the program and not gainfully employed nor was I making advancements in monitoring paperwork. Not only have these institutions violated my trust, they have grossly mishandled the involved parties ' finances. Why would anybody call an ambulance when a person is not in need of an ambulance? Because it doesn't matter if the program isn't footing the bill? Because if it's not part of the government purchase order, " caveat emptor ''? I was cheated, swindled, and am the XXXX of this bureaucratic joke. I am shocked and appalled by these shenanigans. If any were to review my admitting documents, they would concede my legal consent for these services was not given.
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| 01/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
|
Good Morning.
I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter.
A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay.
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am requesting the deletion of account PHOENIX FINANCIAL SERV XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to PHOENIX FINANCIAL SERV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.
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| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to Phoenix Financial Services. I contacted Phoenix Financial Services by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from Phoenix on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to XXXX XXXX XXXX XXXX. My address on this document was also recorded incorrectly. I sent Phoenix an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called Phoenix on XX/XX/XXXX but was informed that they could not send me any further details.
I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted Phoenix again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. Phoenix is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.
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| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
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Problem : I received a mail from Phoenix Financial Services, a debt collector, who is collecting a debt for a stated date of service over 5 years ago that I never once received a bill by any service provider or creditor as specified ( XX/XX/XXXX date of service ). I am reporting Phoenix Financial Services for collecting a debt and incurring me this stress about an obligation I never once were notified. I am not aware IF the original creditor, as stated in the mail, " XXXX XXXX XXXX XXXX' is also a part of the problem for selling my information to XXXX XXXX XXXX, XXXX, who placed the account to Phoenix Financial Services ( debt collector ). Based on the mail as I read it, it seems like a SCAM, which is the reason why I'm reporting Phoenix Financial Services. Please see below.
XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL XXXX, a debt collector, stating that I owed {$2100.00} for a date of service XX/XX/XXXX ( over 5 years ago ) from an " Original Creditor '', " XXXX XXXX XXXX ''. The mail states that I owe the currrent creditor, " XXXX XXXX XXXX XXXX '' {$200.00}. However, if I pay Phoenix Financial Services before XX/XX/XXXX, I would only have to pay {$80.00} or else Phoenix Financial Services " may continue to report me to the credit reporting agencies as unpaid for as long as the law permits this reporting '' and adds to state that it will not sue me because of the age of the debt, implicating to add to the stress by using the word " sue ''. This is VERY CONCERNING that at my age, I am vulnerable to this potential SCAM. Please HELP!
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
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| 05/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a email from XXXX on XX/XX/XXXX at XXXX stating that there was a new collection item added on my report. So I contacted the company and a guy answered the phone and he appeared to already have my name and date of birth the moment he received the call. I confirm my date of birth with him and then I proceeded to state the reason of my call. I wanted to know what and why this debt was added to my report. They guy states where the debt came from in which I have no knowledge of the company and the debt supposedly be from the year of XXXX, so of course I really dont know where this came from. I asked the guy if he can send me proof of the original bill from this supposedly company and thats when the chaos started. This guy begins to accuse me of not responding to the original bill from XX/XX/XXXX, he told me he cant send me a copy of the original statement and that he already told me where it came from. He also accuses me of ignoring the original statement and each time I spoke he began speaking over me. He was not allowing me to talk or respond so our conversation became really chaotic to the point that I got upset and began yelling. To end the chaos I hung up and I will not be contacting this company again. I am very upset at how this one employee handled my situation when it all couldve been so simple had he communicated in a professional manner. All I wanted was the original bill or statement that says that I am responsible for this bill Im which I will pay if Im responsible. I will not tolerate disrespectful behavior as a consumer.
|
| 11/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
|
I received a letter from Phoenix Financial Services on XX/XX/XXXX. I had the option to dispute the debt within 30 days. The letter stated " Date of Service XX/XX/XXXX you owe {$1000.00} '' On the bottom of the letter wrote " This disclosure applies to the account noted with ( * ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor can not sue you for it. In many circumstances, you can renew the debt & start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt '' I sent in the form disputing all of the debt in the 30 days. Phoenix sent back a letter on XX/XX/XXXX and thanked me for my inquiry and wrote : " This communication is from a debt collector '' " Enclosed billing statement provided by our client XXXX XXXX XXXX that confirms the accuracy of the information listed on the account. Should you have any questions regarding this account, contact the number below, and this closes the inquiry in our office. '' XXXX is the only CRA that shows a collection from Phoenix and now shows an account past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX.
Prior to this current letter, I had been contacted by Phoenix back on XX/XX/XXXX. My XXXX statement shows three payments, one for {$210.00}, {$240.00}, and {$5.00}, and I never received the validity or accuracy of the purported debt. I hope the CFPB can make sense of this so I can find the solution.
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, PHOENIX FINANCIAL, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I contacted Phoenix Financial Services LLC, XX/XX/2019. after noticing a collection added to my credit report {$830.00}. I then spoke with a female representative, who was informed that no notice was given inregards to this debt collection and I was not aware of the debt. I was then informed of the Debts originations and informed the representative that my this bill was not correctly billed to my medical insurance and my responsibilities was 20 %. I can pay the 20 % now. I was told that that not my problem. The account was not in our procession at that time so I dont care what happen then, will you be make the full payment or you wasting my time. I told the representative I will pay the 20 % the insurance did not cover, it was at that point the representative disconnected the call. I immediately called back and got a male representative and began to explain that I was not aware of this bill and that my insurance cover 80 %, I was told that they had no insurance information and it wouldn't matter anyway. I then asked if he can send me a letter of verification. and proof of debt and I was told, " I see why the other representative disconnected the call ''. He refused to listen, even started to use abusive language what type of person dont pay there bill. I then informed him I can send the information about the insurance and I was told " you can send what you want it won't matter '' he also disconnected the call after. I believe that Phoenix Financial Services LLC has violated my consumer rights under the fair debt collection practice act.
|
| 02/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
The company, Phoenix Financial Services LLC, sent me a letter regarding an account they were collecting from. They provided no evidence to substantiate the debt, and merely asked that I pay it. When I contacted them about it, the phone line led to an automated voice line asking me to pay. I dismissed them as a con artist, I did so because everything about them seems shady and overall below board. They called me repeatedly from spoofed numbers from then on out. Which I never answered because scam phone numbers are blocked my cell provider automatically. When I was called back regarding the debt one day when a call that wasn't blocked came through, I mentioned that the account may be fraudulent, the operator immediately hung up on me. Weeks later, after not validating the debt to me at all, the company opened up collections derogatory mark on all three of my credit reports. This is something they've been asked by courts to not do in the past by the way. When I contacted the company to cease and desist, they were very difficult to work with and kept asking me for PII, they were rude, once again provided no information to validate the debt, or any information about their business. When I asked them for the information regarding their registered legal agent, they simply declined to provide it. Overall, they have no basis to collect a debt from me and may have broken several laws in the process so far. I also think it's worth noting, they are especially difficult to work with when they are informed that they are being recorded via phone call.
|
| 11/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I checked myself in to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX sometime in XX/XX/XXXX. I was told by their billing staff before treatment that I would have a {$30.00} co-pay and my insurance covered the rest of the fees.Then on XX/XX/XXXX an account was posted on my credit report in collections for {$850.00} by XXXX XXXX XXXX. When I contacted them in XX/XX/XXXX they told me the account was for unpaid medical expenses from that visit. I had received XXXX correspondence from them them whether by phone, mail, or email. I have had the same phone number since XX/XX/XXXX, there is no possibility of being unable to reach me. I don't even know if this company ever purchased any account of mine as they have sent zero information regarding it.
I opened a dispute through XXXX on XX/XX/XXXX and their investigation was completed XX/XX/XXXX in favor of the lender. At least now I have some evidence that their company has SOME legitimacy. However, now as of XX/XX/XXXX, as a direct result of my dispute, my account looks like it was sold to PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX But the account shows that it was opened XX/XX/XXXX and not when it originally was posted in XX/XX/XXXX. I researched and learned this is called Re-Aging and is illegal. I have been working on achieving better credit and have had zero missed payments or accounts go to collections in several years and now this company has illegally changed my account with zero contact to me and has affected my credit.
|
| 02/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was contacted numerous times by a company called Phoenix financial. They were attempting to collect a debt that was from I believe XX/XX/2014 ( medical bills ). I am aware these bills fall under my states statute of limitations and was also disputed with the original creditors as having full insurance coverage. In XX/XX/2014 this was removed from my credit report due to a billing error. During these calls at least 100 of them! I was threatened with legal action. Now its on my credit report as three different collections for debts that were previously settled through a billing error from original creditors. They purchased an outdated and incorrect debt and now they are harassing me constantly. I have worked hard to fix my credit and now I have to repeat the same merry go round!? I have told them several times not to contact me but I am just met with malicious responses! The original dates were XX/XX/2014 for an amount of XXXX a second for XXXXand another for XXXX! And the original creditor was XXXX XXXX XXXX XXXX. Originally these were amounts not reflective of my insurance coverage. This was cleared up in XX/XX/2014 and new amounts billed and payed. And even if they were actual debts they have surpassed statue of limitations in the state of Virginia. I explained this to them several times but was ignored and continued to receive very intimidating and threatening phone calls. I even asked arent yall recording these calls? You cant threaten me like this?! Only to be told that was at their discretion!!??? What isnt that illegal?
|
| 06/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The debit in question is from XXXX XXXX XXXX XXXX XXXX where a Doctor has used two different company names under which to collect a debit twice. The doctor XXXX XXXX has used both XXXX XXXX XXXX and XXXX XXXX group to collect on the same debit twice. So therefore he got paid by the collectors twice and then turned my information in to two different agencies to be collected on twice. The agencies are Phoenix Financial XXXX # XXXX and XXXX XXXX XXXX # XXXX The date in question is XX/XX/XXXX. I was never send a bill for this and I had XXXX XXXX insurance coverage, which if I would have gotten a bill from the hospital or doctor in question I would have paid it. This has ruined my credit and I have had a flawless credit prior to this. I have paid numerous other medical bills in my past with no issues such as this. After researching this extensively, This doctor is being fraudulent and unethical by trying to get paid twice for a situation that I have zero proof of initial billing from him. The collections were filed XX/XX/XXXX which is unheard of and Tactic to further damage my credit during one of the hardest times we are facing as a country. Ironically he attached this to my credit the same day as my credit was pulled for a mortgage further damaging my credit. My credit was pulled on XX/XX/XXXX and this was attached on XX/XX/XXXX. These companies are reporting this every 30 days without ever attempting to notify me each 30 days. This has effected my score from a XXXX to a XXXX because of this blatant misuse of debit collections.
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against Phoenix Financial Service located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 08/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law.
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I kept receiving letters regarding a medical debt from XXXX XXXX from the orignal creditor XXXX XXXXXXXX XXXX XXXX, I informed them this was not my debt and fraudulent and issued a cease and desist. They since sold this debt to Phoenix financial services which they contacted me about. I informed them this was not my debt and disputed it with themselfs they sent information saying what verified this debt basically wrong last name address is wrong correct previous street wrong apt number, no social security was provided at visit and also no ID was shown at the time of visit and no Insurance given which I have Insurnace. Further said this is clearly not my debt and fraudulent. But apparently that was enough for verification. So I issued them a cease and desist letter too as for 2 years nothing showed on my credit report as I assumed it couldnt being incorrect info. Now last month it appeared on my report. I contacted XXXX and disputed this explaining this was identity fraud at a emergency visit and that its not my debt I expected this to be removed but they have certified the debt is valid even with a misspelt last name and what is a blatant attempt at fraud. At this point I want them to stop reporting the debt on my credit report as its not mine. I am in contact with my attorney who advised i and contact yourself first to dispute before taking appropriate legal action. Please inform if you can help with this debt, so I can proceed as needed.
The amount is for {$520.00} and the account was opened XX/XX/2022 on my report.
|
| 04/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I bill was created by XXXX XXXXXXXX in XXXX. The hospital claims to have tried to contact via mail. However, I never received information on this. In XX/XX/XXXX I was contacted by a debt collector. I immediately called my insurance company and they said I was billed for a private room which I never requested. The insurance company contacted the hospital which was to remove the excessive cost and contact their debt collector to correct the information. On XXXX XXXX. Phoenix financial placed a collection on my account with the inaccurate information. Myself along with the hospital has contacted the company to make them aware of the error. XXXX XXXX went as far as to ask Phoenix financial to remove the negative mark on my report to give me time to pay the bill with the corrected amount. Myself and the hospital called the company on three way and they continue to stated they have not received anything even with the hospital representative on the phone. At this point I dont know what to do. I tried addressing this wrong information in XXXX before it was placed on my report. They hospital has tried correcting the mistakes however the company refused to receive the erroneous information. Please note this was an issue that was being discussed and attempted to be fixed in XXXX before it was placed on my report in XXXX of XXXX. The hospital admits to their mistakes of not getting the information updated before it was placed on my report and has sent many emails to have the company remove the information but continue to refuse.
|
| 07/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Upon reviewing my credit report I noticed accounts from PHOENIX FINANCIAL SERVICES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medicalinformation to PHOENIX FINANCIAL. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. XXXX has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.
|
| 03/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Phoenix financial services is claiming I owe XXXX on XX/XX/XXXX from the statement I received via mail ... stated would settle for XXXX Received another statement via mail XX/XX/XXXX stating account was XXXX and they would settle for XXXX I looked back and have medical statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all of those statements from XXXX XXXX XXXX say one amount for XXXX and XXXX. That equals a total of XXXX.
So now I look back on the 2 statements I received from Phoenix financial and they're stating that one amount is for XXXX and the other for XXXX. Totaling XXXX. I've looked at the original auction numbers, they do match but there is no visit number on these debt collection statements to cross reference with the original ahn statements. And the first Phoenix financial statement said the creditors is " XXXX XXXX XXXX XXXX '' I have never been contacted by this creditor that pheonix financial is claiming.
Since XX/XX/XXXX I have received 25 missed calls. I've never answered because that resets the debt time clock and no one ever leaves a voicemail. XX/XX/XXXX XXXX missed calls, XX/XX/XXXX XXXX missed call XX/XX/XXXX just once. XX/XX/XXXX XXXX calls, XX/XX/XXXX & XXXX just one call those days. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call XX/XX/XXXX, XXXX, XXXX and XXXX XXXX call per day XX/XX/XXXX XXXX calls, XX/XX/XXXX XXXX call. XX/XX/XXXX XXXX calls XX/XX/XXXX XXXX call. Not one single voicemail. It's harassment especially since my phone number is on the do not call list
|
| 09/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I am still in the process of dealing with original hospital and the drs company is now handled by a new company. I have insurance that pays 100 % and they did not cover the dr for some reason. So I filled financial assistance, It was approved. I mailed to the drs office forever ago. I never heard back. I assumed it was taken care of. Then Went to get a loan. She said I had a medicle bill that was on there with XXXX. I was like what is that. So I googled. I called XX/XX/XXXX. Since then 8 calls in 2 days, I called first just to see what it was. I have a life. I am not able to drive to the hospital and figure out what to do at this time. I called left voicemails. I am trying to get the thing saying I was approved! I am unable to pay it. I really wont get the money within 2 hours of each call. It might take me a year to save the money. I have a lot going on at this time. I am unemployed right now. My son passed away in 2017. I am not doing so well. So in debt all over. Its a disaster. I get calls after I explained to one person. Then if I am driving and someone answers they demand to talk to me. So driving on XXXX looking for an exit was fun. She remembered I was supposed to call her back and got off the phone after I yelled at her. Then calls keep coming in. Ive asked them not to call me. I am over it. I cant pull money out of thin air. What money I do have will be going to my sons headstone! My credit is the least of my worries! They are heartless and dont even say sorry for your loss and have no compassion!!!
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a formal complaint against Phoenix Financial located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Received a call from ( XXXX ) XXXX as my home phone had scam alert and disconnected it after 2 rings. I notice I had 5 calls from this number since XX/XX/XXXX. I called it back because I have a delivery and thought it was them try to set up a date.
XXXX said they were from Phoenix Finance debt collectors and asked my date birth and I said you tell me and then the said my name. They said I owed a XXXX XXXX ambulance bill from XX/XX/XXXX in the amount of {$160.00}??. I said no I don't and told them this was a scam. XXXX claimed they sent 2 envelopes to my address as I moved out of state. We have never received any envelopes or bill. I contacted my XXXX XXXX XXXX which I carry though my employer and asked the to check this. They have no record of any ambulance service or have never paid 2 payments on this claim for me for XX/XX/XXXX. I had XXXX contact this XXXX and conference us in and she reinerated that to XXXXXXXX @ Phoenix Financial debt collectors. He read me the statue of limits said this would be on our credit report, with a judgement against me and my employer. XXXX asked him with my permission to send and itemized bill and he said it could take up to 30 days. I have not received any bills ever pertaining to this and have confirmed with XXXX I do not owe this bill. I am concerned they will tarnish my credit report and affect my job with this unfounded claim. Phoenix contacted me XX/XX/XXXX, and XXXX XXXX and XXXX on my caller Id. Have never any documentation for this false claim.
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. Phoenix Financial Service 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX
|
| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I just received ANOTHER bill for a debt that was paid in full. I have filed TWO previous complaints about this very same bill and yet they keep selling this bill to new debt collectors trying to extort me again. This is the THIRD time I am contacting the CFPB asking for help for this same bill. Please see my prior complaints : # XXXX & # XXXX for reference. A new bill arrived, and they called my cell phone, demanding another {$760.00} for a bill from 2016. I already paid all outstanding bills off completely several years ago. Yet, now another bill for the same amount {$760.00} and the same date as in the last complaint XX/XX/16 appears again! Please see the prior two complaints filed with CFPB for details. Please stop these extortionists from ruining my credit again. They wait a few years and reproduce the same bills with the same dates and the same amounts. The original bill was from XXXX XXXX XXXX XXXX XXXX XXXX and was paid in full years ago. This same bill was sold several times to different debt XXXX and is now with Phoenix Financial Services who purchased this from XXXX XXXX XXXX, the last debt collector who tried to extort me until the CFPB got involved and they voided the bill only to sell it again to another debt collector. I am very grateful for the CFPB and for helping me out in the past. I would be lost and my credit destroyed if it weren't for the CFPB. I've been working hard for years to re-build my credit yet these sharks are out there trying to destroy me again.
|
| 01/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I received mail regarding two separate debts I owe to Phoenix Financial Services. I mailed a letter to the company requesting validation of the debts beginning in XX/XX/2021. I received a letter in the mail from the company after at least two letters they have received from me requesting debt validation. The letter contained vague information with only my name and the current creditor of the debts I supposedly owe, which was another debt collection company as well as the original creditor, a company I do not recognize. The packet of information did not include the items that I requested. Some of the information was incorrect, I did not recognize some dates of service listed or physician names, and I could not validate that I owe this debt to the company. After receiving this letter I sent another letter explaining I was not able to validate the debt and they did not send the information I requested. I then received a letter from the company that one of the two debts they claim I owe was removed. I sent another letter asking the company to either validate or remove the other debt as well. I then received a letter from Phoenix explaining that I have made no new requests and that the dispute will not be investigated. After receiving this letter I sent a final letter saying they have made a mistake and that I never received validation for this debt and again to validate or remove the second debt. I have not received a response from the company nor has the debt been removed.
|
| 03/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent a letter reaching out to Phoenix Financial Services, LLC about account number on my credit report account number :XXXX asking them to please send me proof of the debt they are asking me to pay.I have asked for validation and proof of original contract that is certified by a notary that it is the original contract with my signature on it .this company did not have my consent to furnish my information to the credit bureau. they did not send me any validation of the debt and I gave them more than 30 days and they have not replayed to me. I have proof of the letter I sent to them asking to please validate the information and also to get the original copy of contract with my signature on it like the law says they have to do. I have also ask them to delete and remove all information that they furnish to all credit bureaus but they didnt and they continued to by updating to the credit bureau under the remarks section that they meet the FCRA. also I have never made a contract with this company and they are claiming that I owe them something. I have not entered into any buiness agreement with them. and just to be clear I did not authorization them to furnish any of my information to anyone. I have also sent them the law that states that they need my authrazation to furnish my information. I have attached the letter I sent to them certified and returned signature. they have also failed to send me validation and its past 30 days.
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I received a collections notice dated XX/XX/XXXX about a bill in the amount of {$500.00} from a collection service called Phoenix Financial that was serviced on XX/XX/XXXX to an address that I have never lived at XXXX in a round-a-bout way, their distant relatives ). I called the original creditor to figure out who and what the bill was actually for ( I have XXXX children so it could have been any one of us ). After checking each individual name through their database, the lady assisting me tells me that NONE of us have any past due or outstanding bills with them. I told her the collection service whom I received the notice from and she replied that they ( her company ) does not even use that collection service.
So I call the collection service directly on XX/XX/XXXX at XXXX and had a 7 minute conversation with them trying and get clarification. They also can not tell me who the actual bill is for or what it is for. I ask them to send me a copy of the original bill and I'm still waiting XXXX It's now XX/XX/XXXX ). When I pulled my credit report in XXXX of XXXX, this collection wasn't even assigned until XXXX of XXXX and it wasn't on my report in XXXX of XXXX.
I've contacted XXXX, XXXX, and XXXX to dispute this on my account, but they all came back saying that the debt had been verified as mine. But really, how can you come after someone for a debt 5 years later, with no prior mention of it, and think that it's a legit debt??
|
| 09/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Phoenix Financial sent a letter on a debt this is a Medical debt that is dated XX/XX/XXXX. This debt was paid. I requested a debt validation and a copy of the bill and HIPPA Release form that gives Phoenix Financial the right to my Medical Billing information. They refuse to supply HIPPA information but sent the bill. The problem is their are multiple dates on this bill. A service date of XX/XX/XXXX and a bill date of XX/XX/XXXX this is not correct. This bill shows a current Patient Responsibility of ( XXXX ). It also, states in bill the amount you Owe is ( XXXX ). This Bill was paid. If you look at the bill it says charges of XXXX. Payments or Adjustment XXXX and amount owed XXXX. Even when you look at the bottom of the bill it say Pay XXXX. Phoenix is trying to collect on a debt that is paid. In Addition, Phoenix is not following the FCRA or FDCPA by re-aging this bill to extend the reporting time to the credit bureaus. I sent in a copy of my XXXX XXXX stating this bill will report until XX/XX/XXXX. If this was a valid Debt is should report starting from the delinquency date. Not the date they place on my credit report. I contacted the XXXX XXXX XXXX and they stayed there is NO DEBT Owed for a Service in my name. This entry is damaging our credit report. Please investigate me and my husband are retired on a fixed income. We don't have the money to pay for a debt that is paid. Thank you sincerely retired and need help
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was informed by my lender that this debt was on my credit report. I called the company Phoenix Financial Services LLC XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX. XXXX XXXX said it was a medical bill from XX/XX/XXXX. He rattled off a medical procedure name which I have not had and could not produce documentation for the original debt and told me it would take months to get it. He kept trying to get me to say the debt was mine and I wouldn't. I keep getting tons of unknown calls which I believe to be from this company and they don't identify themselves with caller id or leave a message. I have filed a report with XXXX and with XXXX because I believe this is fraud. I have paid off all my debt as of XXXX through XXXX XXXX XXXX and do not believe this to be a valid debt. These companies need to stopped from these strong arm tactics of trying to get people to pay bills they don't owe. I have paid all medical and hospital bills for which I have been billed either through personal check or via my federal XXXX XXXX XXXX XXXX XXXX plan.
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure.
SourceXXXX Alert DateXXXX Balance Amount {$37.00} Is CollectionYES Open DateXX/XX/XXXX Payment StatusUNPAID ( D ) Status DateXXXX NamePHOENIX FINANCIAL SERVICES LLC Street AddressXXXX XXXX XXXX XXXX XXXX CityXX/XX/XXXX StateIN ZipXXXX
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have an account on my credit report that has indicated it is a medical debt. I have no knowledge of any account like this and have never had any medical debt, surgeries, etc for many many years. I have used multiple service providers to dispute this account over the last 6-7 years. Yes, I have disputed this MANY times and once it gets removed, it then gets replaced with a new collection agency. I have used XXXX, XXXX, XXXX, XXXX and XXXX to dispute all of these different attempts to clear my report. When I originally found the account on my report and disputed it, the collection agency was a company out of XXXX, Florida. Then another out of XXXX Ohio tried collecting on it and then another back in Florida, and now one in XXXX. No one has yet to tell me what this is. This has easily been on my report from one agency or another for 7-8 years. Considering this is a medical debt ( according to them as well as my credit reports ) even if it was mine, which I have no knowledge of and they have not verified and validated it is, it should only be on a credit report for 5 years ( Florida Statue of Limitations ). That alone should be enough reason to remove despite they have not verified or validated it is my debt. I believe the only way they are still collecting on it is because they keep re-aging the account and then replacing it with someone else who only sees that it's a new account and begins collection processes.
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!!
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
|
| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This collection agency was collecting a debt on behalf of a hospital physician that could not bill me because the hospital failed to record my information properly two years ago. After I found out about the collection from a credit monitoring service, I reached out to Phoenix Financial Services. I notified them of the error, but the representative pressured me to pay the debt so it doesn't hurt my record. I settled the debt with the representative from an original amount of {$490.00} to {$140.00}. A week later, I was called by a supervisor from this collection agency to collect more money, because he claimed that the representative who I spoke to did not have the authorization to settle the amount to {$140.00}.
They have broken the following laws : 1.The Fair Debt Collection Practices Act ( FDCPA ) which covers medical debts mandates that a debt collector is required by law to inform the person theyre collecting from that they can dispute the debt. This did not happen even though I told the representative that this is a billing mistake. Instead, he pressured me to settle so that it doesnt hurt my credit, as he put it.
2.The Fair Debt Collection Practices Act ( FDCPA ) states that a collector may not harass anyone over the phone or through any other form of contact. This did not happen when their supervisor called me to collect more money from me even after I settled a debt that I should have disputed first.
|
| 09/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.
|
| 07/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted in XXXX of this year XXXX by Phoenix Financial Services a debt collector stating that I owe a debt from a XXXX in XXXX Fl that I have never been too. When I asked them to provide me hard proof they would not and laughed and said it is your debt and you will pay it or else. They only would give me the date of service and said it was from XXXX. There is no way any hospital would wait 5 years if I had outstanding debt with them. So I asked them for the name of the medical group they say I owed which is XXXX XXXX XXXX. I looked them up online since they would not give me a phone number and it came up as a place in XXXX, Fl. I have lived in XXXX, but I have never been seen at this location. I called the hospital and asked for their billing dept and spent an hour on the phone and they could not find me given the account number that is on the bill that Phoenix Financial sent me in the mail. They have never heard of the group and they searched for me up by my social, name and everything and have no record of any visit at their hospital ever. So today XX/XX/XXXX I get a alert on my credit report that there has been a collection placed on my XXXX report for {$120.00} from Phoenix and this is just wrong and hurtful. They have harrassed me daily with calls and they are rude and wont give proof that this is my debt which is it not. I had Medicaid in XXXX and all my debts were paid by Medicaid.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. PHOENIX FINANCIAL SERVICE Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and PHOENIX FINANCIAL SERVICE is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
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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
|
| 09/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 07/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I reached out to Phoenix Financial Services by certified mail on XX/XX/XXXX to validate a debt that was reporting on my credit report. Phoenix Financial then mailed me out a letter dated on XX/XX/XXXX that they could not verify the debt and it will be deleted from all 3 credit bureaus. XX/XX/XXXX i received notification from XXXX XXXX and XXXX that all of those accounts were deleted from Phoenix Financial. I then received another letter dated on on XX/XX/XXXX from Phoenix Financial that they were confirming that all accounts were closed and returned to the original creditor. Today, XX/XX/XXXX I received an alert from XXXX that new collection account was placed on my XXXX report from Phoenix Financial Services. Phoenix Financial did not send me anything prior to reporting this onto my credit report nor did they give me enough time to validate this debt. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material.
( ii ) Notice to Consumer I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for you blatant disregard for the law. I Have attached copies of those letters from Phoenix Financial Services in regards of the deletions.
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| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I did as Phoenix Financial Services said on the last CFPB Complaint ( complaint attached ) I called their office to get full number of the alleged account since they claimed I was only giving a partial number.
This is to formally advise them that I believe this company has violated several of my consumer rights. Specifically : Identity Theft, they should not have any of my personal information. I sent them a debt validation more than 30 days ago tracking # XXXX and they ignored me, also they continued to report a disputed debt to the Credit Bureaus : another FCRA violation Not only they ignored my prior requests for validation of debt ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. To whom may concern : ( Letter attached ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. I will reproduce an invoice with Federal violations due to me by your company if you don't comply with my remedy Best Regards XXXX XXXX XXXX
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| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX XXXX {$1200.00} There are no contracts, no valid claims ... account was settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
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| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi, I have tried to resolve this matter with this company Phoenix Financial Services LLC, asking them to verify this incorrect information that they are reporting to All 3 credit bureaus in my name under my SSN to XXXX, XXXX XXXX, and XXXX. The company has not responded, after I have followed all the guidelines to get this matter resolved. They are reporting and they claim that I owe a balance of {$44.00} opened on XXXX. This information is not correct. Please note that I have asked them to verify this debt by sending me information that bears my signature to prove that this is a debt that I owe, they have failed to do so. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
I would like this information removed from my credit reports immediately.
|
| 10/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received a copy of my credit report in XX/XX/2018. I noticed that Phoenix Financial Services had placed a derogatory item on my report and had not ever notified me that they were attempting to collect on that debt. I immediately drafted a dispute to Phoenix Financial Services ( see attached letter dated XX/XX/18 ). In this letter I formally stated that I was disputing the information they were reporting but moreover, I was requesting validation of the debt. Phoenix to date has not responded. I have not received an agreement with the signature of the alleged debtor wherin he/she agreed to pay the creditor ; have not received the date this alleged debt became payable ; what the original delinquency date was, nor did I receive complete accounting of the alleged debt. The entry lacks veracity and due to the fact that Phoenix has yet to respond, it appears that they do not have any documentation to justify that they are reporting 100 % accurately, timely and verifiable information. Per return receipt ( see attached ), Phoenix received my dispute on XX/XX/18. FCRA provides that they had 30 days to respond to my dispute. Being that Phoenix is violating my consumer rights and did so knowingly without providing me a dunning letter, yet they continue to be in violation with this reporting ; this item must be deleted immediately from my credit reports.
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| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX I received a call at work from an unknown local number an a person stated I owed a debt of over {$1400.00} for medical services received in XXXX, AL on XX/XX/2018. I stated I did not owe any debt ( I had my files in from of me and all of my records clearly showed that I paid my deductibles and my insurance carrier XXXX paid the balances ). I continued to get multiple calls a day at work form various XXXX area numbers demanding that I pay a debt that I did not owe and for which I had never received a bill. I asked that they quit calling me and send me a detailed account of the alleged charges.
I continue to receive harassing phone calls. I am seeking legal relief and am contacting lawyers to see which one best suits my needs.
I did call the medical service provider XXXX XXXX XXXX XXXX XXXX, AL ( XXXX actually XXXX XXXX XXXX of XXXX Alabama, then XXXX and XXXX ) and was directed to their new billing entity XXXX XXXX XXXX ( XXXX ). After a brief discussion with their representative, I was connected to a XXXX ( XXXX ) who verified that there was a XXXX balance on my account. She said that there had been several problem and complaints about Phoenix Financial Services that they were having to deal with. While we were on the phone, she sent them a message ( Req. # XXXX ) logging a request to close my account as it had a XXXX balance.
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| 02/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a collection notice from Phoenix Financial Services for a debt I settled in XXXX. I settled the debt ( {$1400.00} ) for a lesser amount ( {$690.00} ).
I received a collection letter dated XX/XX/XXXX for the remaining balance. I tried to email the address listed on the letter and it was invalid, forcing me to call. When I called, XXXX XXXX ( tag XXXX ) was very aggressive. He talked over me and told me that it was my burden to provide a receipt showing payment ( even though its not AND they already have those details as its listed on the bill. ) he said that my settlement wasnt valid unless I provided the receipt.
I told him that I wanted the paperwork regarding my account, including a itemized list and ownership. He refused, stating he could only request and itemized receipt. He then continued to try and collect the debt. He only stopped after I asked if he was allowed to continue to try to collect after I asked for the paperwork. He, again, insisted that he could only request an itemized receipt. He told me that he could not request any other kind of document I requested, including documents around the previous settlement. He told me that he could not request they look into if the debt was settled. This is all WRONG in an attempt to intimidate me into paying the rest of the debt.
Phoenix Financial Services - account # XXXX
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| 08/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Today I learned your organization has reported a balance of {$210.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it.
I have requested additional information from your representatives via phone but have not received any original documentation showing dates of service or information regarding the patient.
Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately.
Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
|
| 06/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
On or about the second week of XX/XX/XXXX, I was contacted by Phoenix Financial Services, LLC ( PFSL ) concerning an alleged medical debt, in the amount of {$110.00}, that they said was incurred sometime in XXXX in XXXX XXXX Nevada.
I don't owe this debt, was never informed of this debt, I don't live in XXXX XXXX Nevada and was never sent any debt collection information until now. When PFSL contacted me by phone at my work they did not know my current address or even knew if I was the correct person who owed this debt.
I asked them for the following information ; 1 ) Validation of this debt by a ) send the original notice and documentation of the debt, b ) who the original creditor was, c ) actual copy of the documentation for the bill that they said was incurred showing the amount and breakdown of the services provided, 2 ) when such debt was reported on my credit report ; a ) when this was reported, b ) if my social security number was compromised by PFSL or shared with other creditors or debt collectors, c ) any correspondence or documentation with any communications from me prior to this initial contact by PFSL.
They refused to send my " any '' validation information other than a bill that looks like a " check, '' which appears to be deceitful and deceptive. This appears to have been sold several times from other debt collectors.
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| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received a notification from my credit monitoring service that Phoenix Financial Services reported a collection on my credit report. I reached out to this company to validate the debt they are reporting. On XX/XX/2022 The collection agency provide me with medical information that I have never authorized to be shared with a 3rd party. The documents they provided included Diagnosis and CPT Codes. This was devastating to me as 1. I have never heard of the collection agency, the Current Creditor " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX OR any of its affiliates. I looked up the provider 's name in my area and it appears he is a provider at XXXX XXXX XXXX. I was never treated at any facility on or during the date shown in the medical records they are illegally sharing.
Not only is this company reporting medial information that is against HIPAA laws, the date of service I NEVER went to the hospital on that day and this ERROR has caused major impact on my ability to purchase a home, insurance, or anything that requires proof of my credit worthiness. The address and telephone number they have is not mine and I have NOT had any information that matched or similar. This company is violating my rights, breaking HIPAA laws and to get me to pay debt that does not belong to me and continues to report information on my credit report.
|
| 04/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Collection Agency : PHNX FINAN Original Creditor : XXXX XXXX XXXX Amount : {$790.00} Status : Open Opened Date : XX/XX/2018 I am being billed for medical services rendered by " XXXX XXXX 's Emergency Hospital. '' I am XXXX years of age, meaning I am not even eligible to be treated or billed by XXXX XXXX 's XXXX facility! I have never been the parent or guardian of a child in my life. I am single with zero children. I have never cared for any child, nor have I lived in any home in which a child has even cohabitated! I do not understand how/why I am being billed for services from a facility that is literally IMPOSSIBLE for me to have even acquired a single cent of debt, let alone {$790.00}! I've mailed the collections agency in reply to their debt collections correspondence, and replied to original correspondence regarding any debt related to XXXX XXXX XXXX XXXX directly to the billing facility, as these are clearly, simply not possobly correct. These attempts to collect charges for bogus services I am clearly, simply unable to incur have tarnished my credit. I've replied to creditor and the facility, but received no response. I disputed this debt via aXXXX dispute which somehow returned a decision that they had found these debts to be valid even though they are simply impossible for me to incur via my age and lack of children.
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I received a bill on XX/XX/21 by PHEONIX FINANCIAL SERVICES LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX for the amount of {$3400.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXXXXXX XXXX but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
I will send a SECOND and last request for a VALID debt validation with the following.
1. ) provide breakdown of fees including any collection costs and medical charges.
2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.
& 3. ) Cease any credit bureau reporting until the debt has been validated by me.
|
| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After receiving a call from a company called Phoenix Financial Services stating that I owed their company {$980.00}. I asked the company to verify the debt. They sent me documents that could have easily been made up on a word document. They sent me on XX/XX/2023 verification documents which did not include any signed contracts or any detailed information about the services provided. I have never done business with Phoenix Financial Services or with their client XXXX XXXX XXXX. If I had medical work done why don't they have medical records to proof the debt. This collection company never sent me an initial demand letter. Further they have not proven within 30 days of my demand for verification that the debt is owed by me. One paper says original creditor is XXXX XXXX XXXX XXXX XXXX but then all verification comes from XXXX XXXX XXXX. How does Phoenix Financial Services have the right to to collect this for XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX is said original creditor. XXXX XXXX is not licensed in California to be a debt collector and do not have an active license with XXXX. This is no my debt I at no time was ever seen by of these corporations and I would like to see signed HIPPA releases from me allowing any potential medical records to be allowed to be shared with these third party by XXXX XXXX XXXX XXXX XXXX
|
| 01/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a bill in the mail from Phoenix Financial, current creditor XXXX XXXX XXXX XXXX XXXX. for a medical service from XX/XX/2018. I went to an emergency room in XXXX, VA for a XXXX XXXX due to a XXXX XXXX. I received a bill from the hospital, and I paid it in full. Now, two years later, I receive this bill. I called and spoke with a man who said lots of people have been complaining about the same issue. The issue is that the doctor or doctors that worked at that hospital decided to bill for some sort of service WITHOUT sending a bill. They just made up a bill, and sent it to either Phoenix or XXXX for collection. If I had received a bill in a timely manner, I would have paid it, or worked out something with my insurance. The man offered me a discount if I paid up immediately. He also said that they couldn't go back that far to have any insurance adjustment made.
Once I mentioned that I may have to take this up with my attorney, which I fully intend to do, the man became unsure of himself, as if he had to now speak to me " off the script. '' His last words to me were, and I quote, " I will file it correctly. Have a nice day. '' So, whatever this was about now was not even filed correctly!
I spoke to XXXX at the Ohio Attorney General 's office, who told me to contact ConsumerFinace.gov to file a complaint.
|
| 03/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have received bills from three different financial services requesting debt from medical services dated XX/XX/18 with different amounts every time.
I just received a bill of XXXX from Phoenix Financial Services XXXX I received multiple bills from third party collection agencies previous to this bill from other financial service companies.
However, I did not receive any bill from any medical institution or bill collector with this amount within the 11 month window required by Texas Law.
According to Texas Civil Practice Law : " Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the first day of the XXXX month after the date the services are provided. '' Therefore, this collection practice from Phoenix and the previous debt collectors is illegal according to Texas Law from my eyes.
I have communicated this to two previous holders of this illegal debt and they communicated over the phone that I would not be followed up with and my debt was satisfied, however this case got passed on again to Phoenix Financial.
I have reached out to attorney to advise me, but believe this is wrongful and illegal debt collection and should not effect my credit or my funds as it currently stands.
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX and XXXX XXXX I received multiple statements and phone calls saying I owed a balance of {$1000.00} to Phoenix Financial Services LLC. Digging deeper into this information I found out is was from a medical service back in XXXX. I tracked down where I was seen and gave them my insurance information and it was updated and taken care of on their end. I do not owe the company the original debt came from. I called Phoenix Financial Services and updated them on the situation and they said everything was good and should be updated. XX/XX/XXXX I receive two more letters ( dated XXXX XXXX and XX/XX/XXXX ) from Phoenix Financial stating that I owe them {$1000.00} for the same medical services. I called them on XX/XX/XXXX to find out why I am still getting letters. Thinking all of this was cleared.
I asked to speak with a manager. Someone higher up and the man I explained my situation to told me I was no longer in their system. That they werent the ones sending me this and it was in error. He couldnt or wouldnt look into why I was still getting billed when I didnt owe them anything. He was rushed and didnt want to talk to me.
On XX/XX/XXXX I reached out to XXXX XXXX XXXX, XXXX to make sure this debt is no longer owed.
IT IS NOT. As of today it is at a {$0.00} balance. That balance was updated on XX/XX/XXXX.
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, I established a payment plan with Phoenix Financial Services for a debt that was owed to XXXX XXXX XXXX. My payments were set up to automatically withdraw from my checking account on the XXXX day of each month for 12 months. On XX/XX/XXXX, I received 2 calls from Phoenix Financial. I called them back and spoke with XXXX XXXX who asked me if I wanted to take care of my balance. I explained to her that I had set up a payment plan and she asks me if I want to set up a payment plan with her. I told her no I already had a payment plan set up. My first payment was taken out XXXX and I received a call from Phoenix Financial on XXXX and two additional calls XXXX. When I called back, I was transferred to XXXX XXXX who asked me if I wanted to set up a payment plan again and proceeds to ask me if I can pay the full balance. Why is this rep calling and asking me for the full balance when I have already set up a payment plan and you all have already taken a payment out of my account? And why does she keep asking me to set a payment plan up with her when I already have a payment plan established. You all need to stop calling me. At this point you are harassing me and it is unacceptable. I have set the payment plan up for what I can afford each month. I can not pay more than that. Please stop calling me.
|
| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021 Phoenix Financial Services reported a debt to the credit bureaus under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) a debt collector to report to a consumer reporting agency ... in the debt collectors name.
They failed to inform me they had purchased the alleged debt or give me notice as my rights under federal and state laws in violation of the FDCPA and FCRA.
After discovering their reporting I sent them a 93A Demand notice and Validation of Debt request ; informing them of their illegal attempts to collect a debt not owed.
They replied to this demand with the statement " the account information we provided is accurate ''.
They failed to provide any documentation to validate their claim of a past due debt, they failed to provide any ownership of the account and they failed to remove their listing from my credit report.
I sent a second 93A Demand informing them of their continued illegal activities and failure to provide any validation of their claim. Under MA General laws they were required to remove their listing and cease all collection attempts.
They replied to this second notice with an invoice demanding payment due on this fraudulent account.
I sent a third notice via certified mail XXXX of 2021. They have failed to reply whatsoever.
|
| 06/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A representative from Phoenix Financial Services called me the week of XX/XX/XXXX stating that I owe a {$100.00} medical bill from XXXX. They stated this was a balance for being seen in the emergency room. I told the representative that this was not my bill and that I am a victim of Identity theft I was not seen in the ER in XXXX. I was told by the representative that they would be putting this on my credit report. I told the representative that this was against the law and the Fair Credit Reporting act because I never received anything from them who the debt does not belong to and or whoever else the debt is for such as the ER department that they are stating that I owe from XXXX. I again informed the representative that I never received any type of notice about a debt from XXXX, the Texas statue of limitations is also 4 years and the debt is not mine, I am a victim of Identity theft, with an Federal Trade Commission affidavit and police report on file with all three credit bureaus. I advised them to return the debt back to the creditor as Identity theft victim. Today XX/XX/XXXX the debt is appearing on my credit report and I tried to call them and the number listed online just keeps giving a busy signal so they can not be reached only if they call me and try to harass me to pay a debt that is not mine.
|
| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
In late XX/XX/XXXX we received notice that we owed {$100.00} from XX/XX/XXXX that could be settled for about {$46.00}. I received another in XX/XX/XXXX which I returned with reasons of dispute. The bill did not include any detail such as total bill, amount approved by insurance company ( XXXX XXXX XXXX XXXX XXXX XXXX ) or amount paid by the insurance company.
I then received a statement from them showing a charge of {$400.00} with the dates of service from XX/XX/XXXX to XX/XX/XXXX ( my birth date ). Another page showed a current balance of {$100.00}.
I then called them to complain and I was asked if I had any intention of paying it. I responded no. The reason being that I was not billed for nearly six years. Had I been billed timely, if the charge was valid, I would have paid with my FSA card in pre-tax dollars. Due to the length of time between date of service and billing plus cryptic billing statement there is no way to determine validity of the charge.
I have never received a bill until nearly six years later and then the bill is lacking in the normal information required to run through XXXX of MI. It appears to have never been processed properly until it was discovered years later and sold off or turned over to XXXX XXXX XXXX XXXX, XXXX. who has hired Phoenix Financial Services to pursue it.
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
Phoenix Financial Services XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX These companies call me several times nearly every day and have left several messages attempting to collect on a debt from a single hospital visit in XXXX that is in collections since XXXX with XXXX XXXX XXXX. The initial bill was for {$880.00} which I disputed with the hospital because it was a follow up visit to have stitches removed and I was told by the Dr . I saw I would not be charged for a full ER visit upon return and I was anyway, so I refused to pay the bill.
XXXX XXXX XXXX is on my credit report for the full {$880.00} as a debt collection and now Phoenix Financial Services has placed a collection on all 3 of my reports ( which I am disputing ) for {$350.00} ( same bill/visit ). They sent me a letter ( I threw it away ) that stated if I pay them {$350.00} they will remove the collection from my credit reports. Together, these collection agencies are charging me {$1200.00} which is more than the initial hospital bill.
I've had issues with XXXX XXXX XXXX in the past, where they find creative ways to keep debts on consumers credit reports by doing fraudulent activities such as this and I would be 100 % certain these two companies are engaging this illegal activity together
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| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
On XX/XX/XXXX, I received a debt notice from Phoenix Financial Services for a medical bill. My underaged son was seen on XX/XX/XXXX and we never received a bill prior to receiving this debt notice. I called Phoenix Financial Services and inquired about the bill. I then called my insurance provider ( XXXX ) and they informed me that they were never billed by the medical staff. I called Phoenix Financial back and explained to them that their client never billed my insurance and that they needed to do that, I then gave them XXXX 's address. On XX/XX/XXXX, Phoenix Financial called me back to attempt to get the debt resolved by me paying the bill, I then informed them again that their client did not file a claim with my insurance company and I was not going to pay the bill. In XXXX of XXXX, I checked my credit report and saw that Phoenix Financial just placed a collections report on it. After I provided multiple rebuttal attempts to the credit agencies to get it removed from my account, I decided to contact XXXX to see if a claim had ever been filed. XXXX informed me they a claim was indeed filed and the Medical Provider was paid on XX/XX/XXXX. XXXX sent me an Explanation Of Benefits and I provided it to the credit agencies and XXXX was the only agency to remove the collections from my account.
|
| 02/04/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a " second notice '' letter dated XX/XX/XXXX from Phoenix Financial Services LLC Registered as XXXX XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but Phoenix can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. Phoenix reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc.
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I received a debt collection notice by mail XX/XX/XXXX. On the same day, I disputed and requested verification of debt via online XX/XX/XXXX. I didn't hear anything back from Phoenix Financial Service. I reviewed my credit report today XX/XX/XXXX and Phoenix Financial Service Reported to XXXX and my credit report now show this alleged debt. I called and provided them the exact date when I requested to verify debt and dispute. I was told they allegedly sent verification XXXX. I never received any verification of debt. Collector I spoke to was hostile and was not letting me finish speaking. I told them they never provided verification of debt. Collector said it is for a medical bill from XXXX year XXXX. This alleged debt should be verified as requested, they never provided this. The collector 's threat is that they will just continue to repeatedly report to Credit Bureau if I dispute and before I could say anything she hang up on me. I double-checked the information provided to XXXX and found inaccurate information.
In summary : - Phoenix financial Service never provided verification of debt.
- Phoenix Financial Service states the alleged debt is for an unpaid medical bill year XXXX.
- Phoenix Financial Service reported alleged medical debt to Credit Bureau, a debt that is not verified.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX OF AZ PROF CORP, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.
|
| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
First and foremost, I am a federally protected consumer. This company has repeatedly called me ( I have proof ) and sent me a letter in the mail. Not once did I disclose my personal information nor my abode to this company so this company has violated my privacy. This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( 2 ). This is a violation of my consumer rights under the FDCPA. This company has called me 4 times between XXXX and has sent a letter. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 5. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Phoenix Financial Services has added a collection account to my credit reports withXX/XX/XXXX and XX/XX/XXXXfor a debt that I do not owe. Under the Fair Debt Collection Practices Act, they are required by law to inform me of any debt owed, and it must be accurate prior to reporting that information to the credit bureaus. As I do not have a debt with this company, no validation of this debt has been made and Phoenix Financial Services has violated my rights, I am requesting that the account be removed from XX/XX/XXXXandXX/XX/XXXX immediately. Phoenix Financial Services has also initiated abusive practices by the placement of telephone calls without meaningful disclosure of the callers identity. I was called twice by an unknown number ( that when researched was listed as this company ) by a representative whom would not disclose who they were, but stated " to have her call me darling '' then disconnected the call on XX/XX/XXXX which was very inappropriate. Then on XX/XX/XXXX I received a call from their number to which they stayed silent on the phone which felt like an attempt to intimidate me. I do not know this company nor have I ever done business with them, and their erroneous reporting is hurting my credit worthiness and needs to be removed from XX/XX/XXXX and XX/XX/XXXX immediately.
|
| 08/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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|
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of XXXX law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
|
| 03/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX, I was in a car accident and ambulance services were provided that I didn't ask for or require by XXXX of XXXX XXXX in the amount of XXXX $ Between XXXX and XX/XX/XXXX I was in contact with XXXX of XXXX XXXX to dispute bill because it was not processed through Insurance per my request.
I gave them the insurance information and never heard from them or received a bill after that contact.
XX/XX/XXXX I review my credit report as I do at the end of every month to verify accuracy. I find a debt collection account has been opened on XX/XX/XXXX through XXXX XXXX services for XXXX of XXXX XXXX for XXXX $ but wasn't reported to me until XX/XX/XXXX on XXXX XXXX.
I wasn't able to dispute the accuracy of it through online services because XXXX XXXX reduced call center hours and there website dispute process was down to do Corona Virus.
I was not sent a bill or given any paperwork between XX/XX/XXXX and XX/XX/XXXX notifying me I owed any amount to Phoenix Financial Services or XXXX of XXXX XXXX. I was not called and no message was left in order to contact them or verify the amount that is now in collections. I believe this is a violation of my rights, as I can't pay a bill i don't know that I owe and I have no way to contact them in order to pay it to remove it from collections.
|
| 08/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
two years ago, I went to XXXX XXXX XXXX for a XXXX XXXX. Someone at the hospital put in incorrect billing information at the time. I had insurance that was taken and covered the hospital visit, but the insurance information was never applied to the physician's visit (insurance covered the hospital bill but not the specific physician bill). I had been on contact with hospital billing for a few months after the visit to attempt to get them to apply my insurance information correctly when it resulted in a $XXXX bill I should not have had to pay, but every few months the bill would come back as the hospital never fixed the error. They sol the debt to a collections agency, and every few months since the incident I get a bill from them and have had to try to get insurance or the hospital to step in. My appeal to my insurance was denied due to the time passed, and collections are still continuing to try to collect on a debt that should have been covered by the insurance I pay for. I am now at a loss for what to do- it is negatively impacting my credit score, insurance will no longer pay it, it is out of the hospitals hands and collection agencies don't care that this was due to a billing error I had no control over. I would like to find out what my options are to resolve this. Thank you.
|
| 12/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently.
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX : {$2800.00} Total Phx Financial Services : {$4500.00} XXXX XXXX XXXX : {$710.00} My medical information was shared with a collection agency, XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX XXXX I am being charged I've attempted on XXXX occasions sending letters to XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX XXXX for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, Phenoix Financial Services & XXXX XXXX XXXX to have authorization to collect a debt. Instead XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX XXXX has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX XXXX has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
|
| 06/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account is a reinsertion that was put back on my credit report. They sold my account to another debt collection agency after removing it from my credit report. This account was put back on my credit report this month of XXXX from XXXX XXXX XXXX XXXX. They are also partnered with XXXX XXXX XXXX and sold my account to them. I sent them a letter back in XX/XX/2021. According to the FCRA they have 30 to validate my debt and if they do not this account have to be deleted due to a violation. That's what transpired. The account was deleted from my credit report. I have the copies of the letter and also have the certified receipt. As of XXXX of this month this account was put back on my credit report. They sent me a bill of this account with a new creditor Phoenix Financial services instead of XXXX XXXX XXXX and have the original Creditor XXXX XXXX XXXX XXXX. That's when I realized XXXXXXXX XXXX XXXX sold this account. I was never notified although the bill says second request. I demand a deletion of this account from my Credit report. Also they never had my XXXX XXXX XXXX XXXX address to even send me a second request. I was never notified. That's how I also know XXXX resold my account to them. Due to sending out the first letter back in XXXX 2021.Thanks for your assistance.
|
| 03/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
OnXX/XX/2019 I pulled my XXXX credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.
|
| 10/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I received a call on XXXX/XXXX/XXXX at XXXX eastern from Phoenix Financial Services saying I owe money to a hospital from XXXX XXXX ( it is XXXX XXXX ). I was told the debt is over {$400.00} because " your insurance does n't cover it. '' He may or may not have given me an exact amount. The rep kept talking over me.
I tried multiple times to ask him for some specific information as ( 1 ) I have not received anything in the mail from Phoenix Financial Services, nor recall receiving a hospital bill ; ( 2 ) the rep did n't identify the hospital, only a medical billing service ( XXXX? ) ; ( 3 ) I do n't know if this is supposed to be for me, my wife, or son ; and ( 4 ) I did n't ( and still do n't ) recall a hospital visit. I tried telling him that I 'm not going to pay something, especially over the phone, that I have no idea what it is being collected and this is the first time, I believe, that I am being notified.
The rep was more interested in offering me " a huge discount '' but I " had to pay now ''. After asking at least 3-4 times for more information, I asked for a debt verification. The rep got angry and loud, called me a " pro at avoiding your debts '' and threatened to " report it and affect your credit. '' With that I hung up as I was not going to bullied.
|
| 03/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services sent me a letter claiming that I owed {$1700.00} to XXXX XXXX XXXX who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached.
I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time.
I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE.
Phoenix Financial Services is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX is registered in Delaware. Their registered agent there is THE XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.
|
| 04/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Phoenix Financial. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. The original rep I spoke with was combative, used vulgarity and refused to disclose my account # which resulted to him hanging up in my face. In addition, Rep violated HIPPA by disclosing sensitive information prior to authenticating account fully! I called back a second time and spoke with Supervisor XXXX XXXX and was able to obtain account number. I advised her I do not have an account with Phoenix Financial and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Phoenix Financial. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing a complaint due to harassment and the lack of professionalism.
|
| 11/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/2021 I requested for the 2nd time a debt validation from Phoenix financial service via certified mail after the 1st request failed to provide a thorough break down for the alleged charges, date of alleged service rendered, list of services and a signature from the provider showing my request to release information. in which I then respond letting company know that a violation of HIPPA was made and requested that they do the right this and have this account removed from credit report. I was then contacted by mail on with a letter dated XX/XX/2021 in which they mentioned this debt being valid with no clear information of the details requested above that request to validate that this alleged debt to be valid, this now makes the 2nd time I have tried to contact this collection agency regarding this alleged debt and providing reasons why information should be removed. I then received a 2nd response dated XX/XX/2021 in which they mention that records show this debt having been disputed before and will not be reinvestigating dispute there for the information will remain on credit report. how ever I find this to be clear violation of HIPPA laws and regulations. and wish to no longer suffer from this companies mistake and have been inconvenienced long enough
|
| 09/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice on my credit report from XXXX XXXX, and XXXX that a debt of {$1400.00} was owed to XXXX XXXX XXXX, XXXX. Due to past due date it had been assigned to the collection agency Phoenix Financial Services. The date the collection was opened according to my credit reporting agencies is XXXX, XXXX XXXX. From information I could find this is a medical collections agency. However I have not received any medical services outside of the state of Kentucky in the past 5 years. I also have KY XXXX which pays all medical bills and services. I never received a bill from this company or a summary of services. I have disputed against all three credit reporting agencies ( some multiple times ) to which XXXX removed collection but it is still showing on my other two affecting my score. I then proceeded to file a complaint XXXX XXXX XXXX of Florida ( from my searching this is where the original company is located ) on XX/XX/2021 they reached out to the company on XX/XX/2021 and XX/XX/2021 to which they received no response and closed the case on XX/XX/2021. I contacted the attorney state general of Florida via electronic dispute on XX/XX/2021. I have tried to contact the original creditor and the collections agency on multiple occasions with no resolution.
|
| 05/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted Phoenix financial services about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with XXXX and on or around XX/XX/19 the accounts was removed from XXXX please see attached picture. On XX/XX/19 I checked my credit report and both accounts were back on XXXX. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with XXXX on XX/XX/19. The representative had no answer to why. I have asked phoenix financial to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law phoenix financial is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : XXXX XXXX - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {$1000.00}. I moved from XXXX, XXXX to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXXPhoenix Financial Servic XXXX XXXX XXXX of XXXX - **opened on XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
|
| 08/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
|
| 12/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX.
XXXX XXXX XXXX, NC XXXX XX/XX/2018 Phoenix Financial Services XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear Phoenix Financial Services : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Sincerely, XXXX XXXX
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| 05/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello My name is XXXX XXXX. According to 2 letters I received from Phoenix financial services, Original Creditor XXXX XXXX response, Current Creditor XXXX XXXX XXXX, XXXX. I've managed to contact Phoenix Financial Services, LLC over the phone and asked to disputed this for lack of information so the did, 2 weeks later I received a letter stating its my debt. The letter didn't have my social security number not even the last four digits, so I called them back and asked them to send me anything that I may have signed and they refused telling me they can't do that and that I need to get a police report instead after they will remove the debt from my credit report. I feel like no one is trying to help me resolve this issue that I clearly have no idea about nor have I ever been to the part of the state to accumulate this debt why won't they send me proof with my signature to prove it belongs to me.
Creditor Account XXXX XXXX Phoenix reference numbers XXXX, XXXX XXXX {$2300.00} claimed That I owe. I've disputed with XXXX 3 times I've disputed with the collection agency once after so many attempts trying to contact them and the original Creditor, Phoenix Financial Services, LLC ( XXXX XXXX XXXX XXXX Indiana XXXX ) Phone number XXXX
|
| 09/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Phoenix Financial Services has been harassing me with phone calls on debt that is not valid and debt that is past the statue of limitations in the State of Florida which is 5 years. They are reporting negative information on my credit report and attempting to make the debt seem like it just became delinquent which is making it appear like I am unable to pay my bills when my lenders review my credit.
Phoenix Financial Services is violating [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Phoenix Financial Services started reporting negative information to my account at the three credit bureaus. I have submitted a debt validation letter via certified mail and phoenix financial has not responded. I have disputed this invalid debt that is past its statue of limitations by these debt scavengers and they refuse to delete the negative information from the credit bureaus. Phoenix Financial Services has cause my Credit Score to drop my XXXX points and I will take legal action if this invalid and zombie debt is not deleted from all three credit bureaus.
|
| 10/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter via mail from Phoenix Financial Services on XX/XX/XXXX stating I owed a debt totaling {$1500.00} from XXXX XXXX XXXX XXXX XXXX for a XX/XX/XXXX date of service. I confirmed I was seen in the emergency room of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX on XX/XX/XXXX via my online account and visit history, and did receive a bill for this amount, however I confirmed with the original creditor verbally via phone on XX/XX/XXXX that it was paid in full on XX/XX/XXXX and I do not currently have any outstanding debts. Furthermore, I was advised that the creditor does not work with this debt collection agency and has no idea why they would be contacting me. Due to the letter I received stating I needed to " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. ", I contacted the phone number listed to verbally dispute the debt and advised them to contact the original creditor if they have any further questions as it was paid in full and provided the date of payment. I find it suspicious that I was contacted randomly by a debt collector after 4 years from the service date advising that I owed a debt in full that was already paid.
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been getting phone calls from Phoenix Financial Services for a few years about a debt for some person that I do not know. When I have answered the phone, they asked to speak to XXXX ( I never know his last name ). I have told them repeatedly that I do not know this person and that they have the wrong phone number. They have continued to call me regardless of me not knowing the person they are trying to contact. They call me about once a day ( sometimes more ). I usually ignore the calls, but today I received a call at XXXX XXXX. I called the number back because I loathe phone calls before XXXX XXXX. I was hung up on and had to call back to speak to someone to tell them AGAIN that they have the wrong number. I received another call from them at XXXX XXXX. This is 2 calls within 4 hours -- after I JUST told them they had the wrong number. I tried to call the number back ( again ) and they hung up on me multiple times before I could even say a word. Their tactics and multiple hangups are absolutely ridiculous. I can't get anywhere with this company to get them to leave me alone. I have blocked the number they call from, but then they just call from another number. I'm tired of this harassment. I want it to stop.
|
| 02/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I checked my credit and saw an account from PHOENIX FINANCIAL SERVICES for XXXX Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance.
PHOENIX FINANCIAL SERVICES did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against PHOENIX FINANCIAL SERVICES should this item not be deleted within the required time allowed by law.
PHOENIX FINANCIAL SERVICES is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX and XXXX as well, since they are incorrectly reporting this debt, too.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
|
| 01/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
|
I spoke with a lady named XXXX from Phoenix Financial. I paid the {$140.00} in full on XX/XX/XXXX even though I wasnt made aware that this account existed until it hit my credit. She assured me that I would receive a paid in full letter that would also state that they would remove the collection from my credit report via email within an hour or so. I didnt receive anything. I contacted her back the next day and she said that it takes 24 hours for me to receive the letter. I didnt receive it. I called back and she informed me that it takes 48 hours to receive the letter. Needless to say, I have yet to receive the paid in full letter. I also am worried that they will not remove the collection from my report as promised. I also spoke with a supervisor named XXXX XXXX, who was extremely rude and unhelpful. She didnt want to provide her name nor did she want to provide me with the letter that I requested. A lady named XXXX was extremely helpful with my request for information. All I wanted was to ensure that this situation will be handled as I have worked hard on establishing a great credit history and I dont want it ruined for a debt that I have no clue about that is only {$140.00} that has now cost my score 70 points.
|
| 03/01/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort.
Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.
|
| 04/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account.
Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.
Phoenix Financial services called me today ( XX/XX/XXXX ) and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me.
I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX
|
| 08/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I received a letter dated XX/XX/22 regarding 3 accounts Phoenix Financial Services purchased. The letter stated that I had until XX/XX/22 to respond if I needed additional information related to the debt. After doing my own research, I determined that I need account detail because I believe that the accounts were already paid off. One account listed I was able to tie back to a paid in full letter the other 2 accounts did not have any recognizable information. I mailed a response on XX/XX/22 to request additional information.
To date no information has been received. However, I received a notification that Phoenix Financial Services added 2 collection accounts to my XXXX Credit report on XX/XX/22 despite my letter stating that I had until XX/XX/22 to request account information. On XX/XX/22 I mailed another request via USPS priority mail w/ tracking to request the information again. The letter that I received is deceptive and damaging. Ive worked extremely hard to pay off outstanding debt to have this happen. Adding the debt to my Credit report before the date on the letter is a form of harassment in my opinion. No one wants to see collection accounts on their report or have their credit report impacted.
|
| 12/09/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
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Web |
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I received a call at XXXX XXXX XXXX time from Phoenix Financial. Though they are in XXXX, they confirmed my address as in XXXX, so they were aware they were calling before XXXX. I missed their phone call, and called it back where a gentleman stated his name and the XXXX XXXX, Phoenix Financial. He then demanded to know my son 's date of birth. I was extremely taken aback because my son and I have both been victims of abuse and stalking, and ironically, my son 's name is XXXX. When I diverted the question of my son 's birth date, I immediately was asked very sarcastically " Oh, you do n't know your son 's birth date? '' I said I was not required to give it to him, and I did n't feel comfortable divulging that information. I quickly reminded him that I returned the phone call, so I did n't feel I was being evasive. He again answered with a rude and sarcastic tone saying " Oh, you returned my phone call? Well maybe I should send you some cookies. '' I was so shocked I hung up and called immediately back for a supervisor. She said she would take care of it, but I still wanted to make a note of it. Our protective order and stalking injunction is available if you need to see it or my telephone call records.
|
| 10/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
|
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There is a medical debt that I have no knowledge of being sold to different collection companies. It claims that it is from an emergency room visit billed by XXXX XXXX, which was then sold to XXXX XXXX XXXX, ( XXXX ) now this company Phoenix financial services llc, I have never heard of is attempting to collect this debt. I have contacted the original company they claim the debt is from and they told me they have no record of this. I have also had health insurance for the last 7 years and have paid my co pays Accordingly. XXXX never told me what this bill was for, and now this new company shows up on my credit report that I have never heard of. I dont know what this is for, I have never gotten a proper bill from anyone telling me what the services is supposedly received were. Not only that, but the debt is older than 5 years and they are falsely claiming this is a recent debt. I have not sought out emergency medical care since 2014. This is all completely false claims and there has yet to be proof. These companies are damaging my credit and if need be I will file a police report. I have disputed XXXX and filed complaints with consumer financial protection bureau, and They sold to Phoenix financial.
|
| 07/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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PHOENIX FINANCIAL SERVICES LLC has once again purchased old debt that has already been investigated and found to be not valid or legal. They have also been making unauthorized phone calls to my cell phone against my wishes. I have already informed them, again for the tenth time in over ten years, that this is not my debt. I have also informed them that this violates Oklahoma law, the original age of this debt is ten years old and this is way past the Oklahoma statue of limitations. Phoenix Financial has illegally placed this on my credit report with the date of service being XX/XX/2020. They know this is completely fraudulent and that I have taken legal action against them in the past for doing the exact same thing as now. They are the 4th company in ten years to harass me for this debt of which I have zero knowledge of. They have refused to produce ANY evidence for this credit file, because they have NOTHING. I will be seeking legal action against this fraud of a company for once again lowering my credit score. It is very obvious that they are taking advantage of the stressful times with Covid-19 to add old fraud to people 's credit report. They should be held criminally liable for their actions.
|
| 02/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.
I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply.
PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws.
PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victom of identity theft. I submitted formal letters to the bureaus XXXX XXXX, 2017. I included a police report, an FTC affidavit, a utility bill and my necessary drivers license and social. XXXX and XXXX removed this fraudulent item. XXXX also removed it. As of yesterday, XXXX XXXX, 2017, it has appeared back on my report for XXXX. I called and asked why it was back on there. I was told it was never taken off ...? I asked why it was on there and they other fraudulant charge from the same company, same acct number for just a different amount, was taken off but this one wasnt. I was told by XXXX that the lender confirmed it was my account. I asked if the lendor provided them proof it was mine. And if I was mailed proof it was mine? I was told no to both questions. I informed her it has been over your 30 day alotted legal amount of investigation time and you must remove this fraudulent item. I was told they would not and would submit it for reinvestigation. I replied, '' this is NOT the law '' I am trying to get a home loan and your errant posting of this item has hindered me. The law says that you must remove it after a 30 day investigation if you can not provide proof it is mine.
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had two medical bills, first time in 2016 i didn't have health insurance but i had mentioned that and some social worker came and told me that you don't worry, you will have to pay not a single dime and they coming after me, i had called the hospital several time and i talked to collection agency 4-5 times and they said i have to contact hospital in order to remove from my credit history now this is not right because i was told by social worker name XXXX or XXXX something and still the collection agency, name XXXX i believe says they can't remove this thing fron my credit record their name is Phoenix Financial Phone Number is ( XXXX ) XXXX they have told me that they can't contact hospital when i asked them to provide me the date of service, they said i have to contact hospital but anyway i was told by social worker that i won't have to pay any thing other wise i would have not gone to that hospital. And this is in 2016 and after all this years it didn't go to collection, i had called hospital several times like 2 years ago and they didn't tell me any thing.i had explained them about social worker too every time i called them. The amount they ( collection Agency ) billing me is {$1800.00}
|
| 03/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I THE ORIGINAL CREDITOR am exercising my rights and find the following third-party entities which have no legal rights, in violation of federal laws. I have sought out the enforcement of the FTC as these alleged accounts have been continuously being illegally Verified as accurate, and stating that I The Original Creditor, owe this alleged debt.
***XXXX XXXX is a third-party debt collector** ***Phoenix financial is a third-party debt collector*** ***State Collection service is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** *** XXXX XXXX XXXX is a third-party debt collector*** Adhere to the federally mandated guidelines or face civil liability which is enforceable by the FTC. Each entity/person/corperation/third-party/agency/affiliate is with proof in clear violation and my federal law, must pay me in a valid check in the amount of {$14000.00} for these violations.
XXXX, XXXX, and XXXX should be aware they are reporting false, misleading and deceptive Information, and can be found liable as the third party debt collectors if they do not immediately cease reporting these illegal and alleged accounts.
This is the last chance to cure for each entity.
|
| 02/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Took daughter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Texas.
Received bill from XXXX and paid bill.
Received surprise bill from XXXX XXXX XXXX XXXX. Explained to them that XXXX was paid directly and under Texas law they would have to settle any additional bill through XXXX.
" Bill '' was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX Have never heard of this business, nor was I informed that anything was referred to them.
Then XXXX XXXX XXXX sends fictitious bill to Phoenix Financial Services.
I disputed the results of them placing a collections on my credit report. The disputed item was deleted.
I consider continued efforts to collect on this item when it has been paid to the ORIGINAL creditor, which is XXXX XXXX XXXX XXXX and when the item has been previously deleted from my credit report to be a form of harassment.
This item needs to be removed once and for all from my credit report and these accounts need to be closed. I want letters stating that this item has been resolved and these accounts have been closed.
Under Texas Senate Bill 1037, consumer credit reporting agencies are now prohibited from including medical debt collection accounts in consumer reports.
|
| 12/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a medical debt show up on my credit report, I disputed it and there was a lack of proof, so the credit bureaus took it off ( around XXXX ). A month or so later a new bill in the same amount for the same false medical bill showed up under another name ( PHNX FINAN ) in the exact amount ( {$1600.00} ) on my credit reports. I was not notified that a debt was sold or purchased. I called the company PHNX FINAN ( Phoenix Financial ) at XXXX and asked them to send me proof. This was around XXXX XXXX, I believe. A couple weeks went by and I received nothing. I called back and they asked me to wait a few more days. I called back a week later ( not sure of date ) and she stated that it showed that it went out on the XXXX, but that she would send out another. I never received anything from the company. I spoke with XXXX today, XXXX XXXX, XXXX, and she stated that she sent it out ( inferring one time ), I said well I have not received anything and I have sold that house and need to give you the new address and would you send a copy there. She said that she was not going to send me out another copy. I am not responsible for this medical bill and my rights have not been upheld by this company.
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. attempted to collect a medical debt for a person with my same name and birth date ( this person does exist ). The alleged debt is for a XXXX XXXX in California. I am a XXXX XXXX in Georgia. I was over XXXX miles away on the date of service. He was shot. I have no gun wounds ( EVER ). I wrote letters ( certified ) and made phone calls. Reported Identity theft to local PD, IRS and SSA. I called and XXXX said it was resolved.
In XX/XX/XXXX I received a letter from Phoenix Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois, again attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX XXXX. I called XXXX they said the debt had been canceled yet here I am again fighting them. I have sent multiple certified letters to Pheonix requesting they retain any and all communications/records regarding this matter as I intend to sue them for my time and expense. which at this point is approximately {$3100.00}. I have called them multiple times ( written notes ). I have 5 years of correspondence on file.
They have failed to respond. I am retaining an attorney, and will proceed with filing complaints with my State Attorney General.
|
| 03/08/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.
|
| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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PHOENIX FINANCIAL continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted PHOENIX FINANCIAL is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform PHEONIX FINANCIAL that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Greetings, On XX/XX/2023, I received an alert that my credit report was changed. I then viewed my report and noticed that Phoenix Financial Service reported that I owed {$380.00} and it's in the collection. I do not own that account that they report to the credit agency.
I disputed the account over three times and still, nothing happened and it continues to reduce my credit score.
I have never received any notices from this company stating I owe a debt to them. They directly went straight to the credit bureau stating I owe the debt and placed it into the collection section on my report. I have no knowledge of where this debt came from. As of today 's date, I still don't have this information, so I am really baffled as to where they got it from.
Note : My information has been comprised on the dark web of my social security number, and email as well. My name has been spelled many different ways on my report and I also had to dispute that also. With that being said they are in violation of my HIPPA rights by reporting medical information. Therefore, I will seek legal assistance if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
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| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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Received debt collection letter on XX/XX/XXXX from Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN saying I owe XXXX XXXX XXXX, XXXX as balance of {$3300.00} ( original XXXX XXXX XXXXXXXX XXXX ) for services rendered on XX/XX/XXXX. I responded with a certified letter requesting address, telephone number, billing statements from the original creditor of which the company sent me a letter with a list of medical codes and amounts, procedures/charges. This is not a billing statement from XXXX XXXX XXXX and serves as no merit to this debt collection company saying I owe this debt. I need concrete evidence from XXXX XXXX XXXX billing department that I owe this debt of which I never received a bill. This is a third party debt collection company on behalf of XXXX XXXX XXXX who bought these alleged debts. I am and have been most of my life a medically insured individual and my insurance company insures me that urgent medical transport is covered.
Furthermore, Phoenix Financial Services is not a licensed debt collection company in the State of XXXX. I currently live in the state of XXXX, happily retired and not about to let this company ruin my exemplary credit score.
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| 07/14/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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Representative claimed that they had sent numerous letters, which I had never received. When I told him I wanted debt validation and verification before I spoke with him about anything, he began to use a child version of my name in a very sarcastic and derogatory manner. Then he said if I refused to enter an agreement NOW, he would send letters to my employer about the debt! Now I 'm fully aware this is illegal and I 'm sure he is as well. I started to ask his name but he hung up the phone. I called back at the number but spoke with a woman who apologized for him, which is simply not good enough. I told her I wanted debt validation and verification and if she would give me an address, I would send her a letter asking for exactly what I needed. She never gave me the address and said they would not call again. Later in the day, there was a letter from their collection agency but there was no debt validation, no proof of their legal obligation to collect, no proof of them being legally licensed in the state of Missouri to collect any debts. There was a name of the supposed original creditor but no date and no reason for the debt so I have no idea if it 's mine or if it 's valid.
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| 04/21/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I RECEIVED A CALL FROM PHOENIX FINANCIAL ABOUT A DEBT OWED TO XXXX XXXX FOR XXXX XXXX. I ADVISED THEM THAT THE INFORMATION THEY HAVE IS WRONG AND I HAVE NEVER RECEIVED CARE IN XXXX XXXX AND HAD NOT BEEN TO XXXX XXXX IN OVER 10 YEARS. They got snotty about owing and not paying and said they would place it on my credit report. I advised them that they have the wrong person and would now be knowingly placing false information on my reports. They did so anyway. I have disputed this many times for the same reasoning. I have never received care in XXXX XXXX and have not been to XXXX XXXX. They continually place this harmful and false information on my credit report. I have requested copies of the identification given at the time of service and the services rendered. I have received neither- the information has only been updated on my report as not being paid. But I do not owe for this account. They have called me time and time again and when I refuse to verify any information they have even gone to calling me out of my name. There are days when they call me early in the morning and in the late evening after XXXX PM. They will at times call me back to back disrupting my work day!
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| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or about XX/XX/23, I disputed an account that was reported to credit bureaus by furnisher, Phoenix Financial Services. In this dispute, I informed the furnisher that the debt was not valid and I had no obligation to pay it. I asked the furnisher to provide me with an iota of evidence from the original creditor showing that I was responsible for this debt. I also asked that furnisher provide me with address of original creditor.
Under 12 C.F.R. 1022.43, in the event consumer makes a direct dispute with the furnisher, furnisher must conduct a reasonable investigation of a direct dispute if it relates to [ t ] he consumer 's liability for a credit account or other debt with the furnisher.
Phoenix Financial Services failed to conduct a reasonable investigation and never provided me with any documentation from the original creditor showing that I was responsible for this debt or that I had signed anything or made any agreement to be responsible for this alleged debt. Phoenix Financial Services refused to delete this debt from my credit report and continues to report it as a " collection account. '' They also failed to provide me with he address of the original creditor.
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| 01/27/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX XX/XX/XXXX XXXX Account Number Unknown XXXX XXXX Hospital Dates of Service XX/XX/XXXX, XX/XX/XXXX Emergency Room Visits Medical Coverage at that time was the Veterans Administration, 100 % XXXX veteran Today, XX/XX/XXXX I received a phone call from Phoenix Financial Services collection agency about an outstanding bill. According to hospital records and XXXX XXXX XXXX records, my accounts have a XXXX balance. These accounts were paid by the Veterans Administration over 6 months ago. Phoenix Financial Services stated they were forwarded this collection from Altheon.and they would not withdraw the collection action. The Veterans Administration advised me to contact them if I received any demands for payment from any agency regarding these services. XXXX will not communicate with me by phone, only email. I have emailed them numerous times today with no satisfactory response, only requests for information that they already have in my account file, or the email I sent them initially. I have never received any letters at any time from either XXXX XXXX XXXX or Phoenix Financial Services.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX
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| 09/27/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus.The account was previously removed from my file because they could not validate that this debt was mine, however to continue to randomly add to my file at their convenience with blatant disregard for the Fair Credit reporting act. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then now it says XXXX. Phoenix Financial Services has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter.They have blatant disregard for my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
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| 11/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting the negative, unverified, and inaccurate information from my file. My first letter was signed and received by them on XXXX/XXXX/2020. The negative item remains a collection, however, I received no letter, let alone proof validity. I then mailed a second validation letter, ( per USPS, it was signed for on XX/XX/XXXX20 ), asking them to prove to me how this negative, erroneous information belonged to me. I received a response stating they've, " reviewed the dispute and will not review again. '' I have given well over 30 days to respond to the validity of this debt with no proof in sight. How is it possible for them to continue reporting CLEARLY Unverified, Invalidated, AND Inaccurate information to my credit report?
I am requesting this negative and unverified collection be deleted immediately. Once a deletion letter has been drafted, i would like a copy mailed to each of the three major credit bureaus. I am also requesting a physical copy of this deletion letter to be mailed to me directly.
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| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX : I received a letter from PHOENIX FINANCIAL SERV, regarding a medical bill that is alleged to occur in XXXX.
XX/XX/XXXX : I replied to PHOENIX FINANCIAL SERV, requesting information on the debt. I wrote to ask for - The name and address of the original creditor, - Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
- A copy of the last billing statement sent to me by the original creditor.
- State the amount of the debt when you obtained it, and when that was.
In the same letter, I formally requested that " In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. '' XX/XX/XXXX : Letter received by PHOENIX FINANCIAL SERV. I can provide evidence from USPS tracking.
XX/XX/XXXX : Against my request, and without any further notice, PHOENIX FINANCIAL SERV flagged my account in at least one credit bureau as Collections and severely damaged my credit scores.
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| 10/09/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have a medical bill from XXXX which I am trying to resolve with my insurance company to pay. They requested additional information which I have provided but have yet to resolve the issue.
The debt was acquired by a company called Phoenix Financial in the past few months : PHOENIX FINANCIAL SERV Phone : ( XXXX ) XXXX Business Type XXXX Street Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : IN Zip : XXXX They have been calling both my personal and business phone on a daily basis. Sometimes hostile in nature. For the past 2 months they have been adding new ( major ) derogatory marks to my credit report. While I understand that this can happen with a new collection agency acquiring debt, or a change in payment status, there has been neither in this case. This is clearly a tactic to push out the effective date of my debt on my credit report, and to damage my credit score.
This can affect things where my credit worthiness is taken into account which can include not only purchases of a car or a house, but necessities such as insurance or deposits required for utilities.
I think this is an unfair practice predatory in nature and possibly illegal.
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| 12/14/2021 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Phoenix Financial Services contacted me in earlyXX/XX/XXXXregarding an emergency physician bill from XXXX ( I think ). I disputed the bill and asked them to send information regarding this account. Information was sent to me and I had questions about the supposed debt. I was contacted again in XX/XX/XXXX and I made it clear that I had questions about the information that was sent to me and would need time to review and requested no more calls until I had an opportunity to do so. Even though I made this request, I continued to receive collection calls from Phoenix Financial Services ; somewhere around XX/XX/XXXX I received three collection calls in one day! I made it clear to the agent that I considered it harassment that I continued to receive calls regarding this account after I requested an opportunity to review their documents and told them I would call back. My credit score has been negatively impacted by Phoenix Financial Services from their reporting of this supposed debt as a collection account on my credit report. They reported an origination date of XX/XX/2021 even though I requested an opportunity to review the information in advance of that.
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| 04/09/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter on XX/XX/XXXX from Pheonix Financial Services stating that I owed {$800.00} for a debt that was owed to XXXX XXXX XXXX. I disputed that amount because I was pretty sure the debt was paid off. They then sent me a letter back stating that the debt was accurate on XX/XX/XXXX.
I called XXXX Customer service because at the time of the service XX/XX/XXXX, I was a XXXX employee, and it should have been covered under my insurance. Unfortunately, the rep I was working with couldn't find the claim because it was an old one archived from XXXX. The member also stated that the company is supposed to send three good faith efforts to try and contact you before sending it off to collections, and I didn't receive a single one. Also why are they contacting me about a debt from XXXX when it's XXXX? The rep suggested I contact XXXX No Suprises and I left a complaint with them, but they stated that since the claim was from XXXX that I didn't qualify and suggested I leave the complaint with you.
The rep I spoke with was named XXXX XXXX with XXXX and the reference number she gave me was XXXX. You may contact me back if you need more information.
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| 08/04/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The incident happened on XX/XX/2018. I was diagnosed with temporary anxiety but the doctors imstakenly gave me a dose of lorazepam. After taking 2 doses to avoid anxiety, i had to discontinue the medicine to avoid dependence. On the evening of XX/XX/2018, after stopping XXXX - i had an anxiety attack and when I called 911 they told me that the XXXX vehicle was on the way. But my friend also arranged a vehicle to take me to the nearest hospital. But when i was on my old cell phone XXXX number, I clearly told the operator that I do not need the XXXX vehicle but the operator told me that they can not cancel the medical services. I never got any written response for nearly 4 years but now suddenly a collection was added to my credit report by a company called XXXX XXXX services for the amount of {$2200.00} I never utilized the XXXX XXXX and I tried calling the company but they could not give a clear answer and told me that it had gone to collection agency. I strongly deny these charges and never utilized their services and I would kindly request you to mediate and clear this from my credit report. Filed a complaint with MA attorney general office
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| 03/22/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on or aboutXX/XX/XXXX phoenix financial services called me trying to say i owe them {$790.00} for a medical bill from 5 years ago when i tried to explain to them i had never been to the hospital in XX/XX/XXXX like they claim i was cursed at and told bye the man on the phone " '' '' im not hear to argue with your XXXX XXXX XXXX either you give us the money or i will XXXX XXXX XXXX XXXX up your credit so your telling me your not going to XXXX XXXX XXXX pay us " '' '' ...
my son who is now XXXX and has the same name was the one who went to the hospital and he had full XXXX which paid that bill in full and now 5 years later do to someones stupidity at the hospital making a clerical error and getting us confused with one another being there are 5 of us with the same name in my family they put a collection on me ... .why wait 5 years till 1 week after my son turned XXXX to pull this XXXX ... it is fraud i have tried to resolve this issue with them and no one will listen they just curse and threaten a XXXX man ... .and i have no idea who or where XXXX XXXX XXXX XXXX is or why my son was there as i did not have custody of him his mother did ...
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| 02/13/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Phoenix Financial Serv has placed an account on my credit report showing opening date of XX/XX/2018. Never heard of this company nor have I received any written notice in mail to dispute which is a requirement per law. Now that it is tax time, it has magically appeared on my credit without any notice violating my rights as a consumer. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is also a requirement to collect on a debt in state of Tennessee. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail but the credit agency is showing reported XX/XX/XXXX, so over 2 mths. I would like this removed from my file once and cease and desist also. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice, I have already sent this information to state of Tennessee for illegal collection activity in the state.
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| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Phoenix Financial sent a letter to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX It was in my maiden name which wasnt my name at the time this supposed ambulance ride occurred. It hadnt been for 9 years. It was for a person I do not know. I responded to the letter that this was not my debt. They sent out a second letter which generated a statement. I called the number telling them this debt is not mine, I did not know this person. He was very rude and combative. He had my phone number and the last 4 of my SS, which was very alarming. He insisted I verify if the last 4 belonged to me and got very angry when I told him I wouldnt verify that information. I just got a third letter telling me I needed to provide proof of identity theft. Which.. this happened apparently 3 years ago ( XX/XX/20 ) and Im just finding out about it now. The person was XXXX XXXX XXXX at the time they were transported and this debt occurred. I have asked them to disassociate me from this debt via telephone and by their website. Yet, the third letter still came. I need to find out how to remove my name from this debt and get them to stop harassing me about it.
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| 12/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been receiving repeated phone calls from Phoenix Financial XXXX XXXX, Indiana ( XXXX ) XXXX on my cell phone trying to reach somebody named XXXX XXXX. This has been going on for about 2-4 times a month for three years and Ive spoken on my phone dozens of times to them and theyve always agreed to take my cell phone number off their list but each time they have lied and didnt take it off their list at all.
Ive never heard or do I know XXXX XXXX, he is not a friend, family member or acquaintance.
Phoenix Financial Services uses a variety of Texas local phone numbers, the last being ( XXXX ) XXXX, when calling me and they always say or have a recorded opening that they are Phoenix Financial Services and that they are trying to collect a debt.
I got my cell phone number ( XXXX ) in 2017 when I switched phone carriers ( XXXX ) in a move from XXXX to XXXX. My previous cell phone XXXX phone number was XXXX.
I have asked them to stop calling or I will report them to the government many times and yet they continue to call me. I dont know what to do as they are constantly interrupting my day with their phone calls and it must stop.
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| 05/22/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My daughter was in a car accident in XXXX. She was hospitalized in XXXX at their hospital. She was covered by insurance and car insurance. The hospital accepted assignment of the insurance. I started getting bills from " XXXX XXXX. '' The doctor listed on the account was not one of the doctors listed in her hospital file. I was able to obtain, back then, the request from this " provider. '' The hospital went over this document and told me that this doctor listed is not a provider in their hospital. They also provided the hospital bill that showed the procedures done on her. The ones shown were not what was billed. They are trying to collect fraudulent charges based on an accident that happened almost 6 years ago. Besides that, my daughter was XXXX and a legal adult. This does not belong on my credit and needs to be removed immediately. I demand a cease and desist for the continued pursuit to collect on this. I have provided the only documents that I still have after 6 years. The original company declined to pursue it after I provided the paperwork proving that the charges were fraudulent and were not related to my daughter 's care.
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| 03/16/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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I am a XXXX veteran and have three types of medical coverage. ( Phoenix Financial Services ) claims that i owe XXXX XXXX XXXX XXXX bills which is not true! That collection agency sent me notice of bills owed so i asked to provide the exact copies of procedures and dates for the bills owed including statement and procedure dates. This will allow me to verify if this is a true billing error or if it is a false representation of a debt that is not owed.
Phoenix Financial Services was unable to produce any details or provide any bills to validate.
As result of that, I proceeded to send them a cease and desist notice on XX/XX/XXXX. Return receipt was requested and signed for by Phoenix financial Services ; they stopped contacting me until today via mail again ( XX/XX/XXXX ).
I am 100 % covered by VA medical, XXXX XXXX XXXX and XXXX and have explained this to that collection agency several times yet they continue to send me harassing bills and impact my credit score.
please assist in resolving this issue with them as these are malicious, deceptive debt practice of a debt that is not even owed by me, nor can they produce a record of.
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| 03/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix. Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.
|
| 09/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a letter from Phoenix Financial Services ( Debt Collection Agency ) on behalf of XXXX XXXX XXXX XXXX ( Debt Collection Agency ) dated XX/XX/XXXX for a workers comp balance billing in the amount of {$650.00}. Workers comp paid {$300.00} to the original creditor ( XXXX XXXX XXXX ) on XX/XX/XXXX. The amount that was paid to the original creditor was based off of a fee schedule. According to the statutes, I can not be held responsible if the workers comp carrier has not paid a bill in full even if the provider demands it. Further, if a healthcare provider has accepted partial payment from the workers comp insurance carrier, it can not send me a bill for the remaining amount of the medical bills. It is against the law and this form of practice is prohibited. Phoenix Financial knowingly reported false information to all three credit reporting agencies ( XXXX/XXXX/XXXX ) which has impacted my credit score exponentially. I am reaching out to you for assistance because I was not able to resolve this matter on my own. If all else fails, I will seek legal representation because my rights as a consumer have been violated.
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| 03/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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A debt was owed. It was late. I received collection contact, verified it by going to the creditor 's site who still actually owns the debt, and paid the bill. The bill was acknowledged as paid by the hospital involved and subsequently also _in writing_ but as recently as only roughly two weeks later they continued to file derogatories on my credit reports with all the credit agencies, citing the paid item as unpaid and the item, which was pulled from collection, as still in collection. Contacted the XXXX and filed a complaint but the behavior continued.
This company seems to lack any basic intent to engage in honest business. If a debt is paid, acknowledged by both them and the creditor, the collection activity, including filing collections with credit agencies, etc. should cease.
The debt is paid, they can not collect on it twice, it has been acknowledged as paid by all relevant parties. It's not a huge amount and I could let it fall off. It's ruining my credit score which I take to be deliberate even though they have nothing to gain from doing so financially.
I think they are generally dishonest and incompetent.
|
| 10/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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The following items were all placed on my credit report at the same time. Phoenix Financial Services called and threatened to ruin by credit by placing the same item in collection multiple times. There should be only one ( 1 ) item, not four as submitted by Phoenix Financial Services. There is also an error in the Opened date. This one medical debt is several years old. I did not go to the doctor XX/XX/2019. I do not think Collection Agencies should be able to deliberately place multiple items on your credit in an effort to threaten me into paying. Can you please help me. My credit score dropped 24 points due to the four ( 4 ) Collection items added erroneously by Phoenix Financial Services.
XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/31/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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Please be advised I have requested validation { not verification } of a medical debt reported to you by PHOENIX FINANCIAL SERVICES LLC on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX.
PHOENIX FINANCIAL SERVICES LLC, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL.
I reached out to XXXX, XXXX and XXXX to let them know this debt is in violation of HIPPA but XXXX Or XXXX didnt delete it form my report, while Transunion did delete it..
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| 05/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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The only reason I found out about this fraudulent debt is because my credit score dropped 52 points on XXXX XXXX. This is the second time and both times I contacted every doctor Ive seen in the last 10 years and none use XXXX XXXX XXXX XXXX XXXX or Phoenix financial services. Both were for {$66.00} and I had to submit a claim to the credit bureaus. Its not my debt. I believe it is a scam. I never received any notification at all that it existed. They just showed up. I managed to call the collector last year but it took 2 weeks and they hung up on my when I wouldnt give them my social in exchange for the contact information on XXXX XXXX XXXX. I called several different campuses owned by XXXX XXXX now known as XXXX XXXX talked to several financial officers and billing specialists in clinics and hospitals and I have no EOB from my insurance company for the alleged date of XX/XX/XXXX or any other date. I checked through all my papers and looked online. It feels like Im being hustled and if you check on this collection agency XXXX page or general websites MANY people have said the same thing happened. This is ridiculous.
|
| 10/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX I received a letter from Phoenix Financial Services LLC/ XXXX XXXX XXXX XXXX XXXX trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXX for the amount of {$1000.00} dollars and a second one from XX/XX/ for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus.
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX ) I sent my letter via certified return receipt on XXXX XXXX and received a response from them on XXXX XXXX.
Their response does not include any of the requested information, or documents to proof this is an original debt under my name.
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.
|
| 10/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a call today from a XXXX XXXX at Phoenix Financial Services about an old medical bill. At first he sounded like he wanted to help and let me know that I owe somewhere around {$430.00} for a bill from 4 years ago. He offered to settle it today for somewhere around {$250.00}. I told him that I would not make a payment today and he said " You don't have to pay the whole thing today, how about half? '' I stated that I was not interested in settling the account at this time and his response was " I understand but I am confused what you mean. '' I said " I am not going to settle this right now for that amount, what are you confused about. '' He responded with " Sir, this is your bill that you have avoided for 4 years so I'm confused about your lack of character. '' Who is XXXX to determine my character after a 1 minute conversation. I responded and said " That isn't the correct way to collect or get someone to pay. '' He said " Quite frankly I don't care, you have avoided this bill for 4 years and now you want to dictate how much to pay. '' Then hung up on me. I want this company to cease communication with me.
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XXXX/XXXX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XXXX/XXXX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 11/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
|
| 02/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow.
This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, my name is XXXX XXXX and I am a victim of identity theft. I recently started to take my credit score more seriously, before I would never check my score because I would never apply for loans, credit cards etc,.. I only had one college credit card. On XXXX XXXX I downloaded XXXX and saw a lot of collections and inquiries that were not mine and I dont have any relations with it. I called the police and an officer came to my home and I showed him all the fraud that occurred under my social security, the police officer provided me with a case report and informed me to call the credit bureaus. I called XXXX, XXXX and XXXX and put in a freeze on my accounts. The credit bureaus were able to dispute the fraud however, XXXX keeps verifying the account as accurate when its indeed not. The debt collection that is not being removed which occurred from fraud is phoenix financial service original creditor XXXX XXXX XXXX it was opened on XX/XX/2023 the amount owed is {$840.00} the account number XXXX. I have never heard of this company nor did I ever get in contact with them prior. My information has been compromised.
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
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.
|
| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to reach Phoenix Financial Services on numerous occasions regarding this debt that I allegedly owe for {$1900.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Phoenix Financial Services nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Phoenix Financial Services provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters.
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter in XXXX from Phoneix Financial Services stating that they were attempting to collect {$1900.00} in debt owed to XXXX XXXX XXXX. I immediately filled in their form asking them for more information and letting them know that I was disputing the debt as not mine. On XX/XX/XXXX I received another letter from them with more information ( the address of the person who owed the debt ). That same day, I received an alert from XXXX that a disparaging debt note had been recorded on my credit report by Phoenix Financial Services.
Had they taken any simple steps to ascertain if this was me ( it is a common name ), they would have found that 1 ) I have never lived anywhere in California much less in XXXX XXXX, 2 ) that I have lived at my current address for XXXX years, and XXXX ) that there are at least XXXX people named XXXX XXXX who do live in XXXX XXXX according to XXXX.
Their action of reporting this to the credit agencies without cause has been harmful to my reputation and credit standing and is an unreasonable abuse of their ability to do report what they please.
Thank you.
|
| 02/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.
|
| 08/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Phoenix Financial Services LLC attempted to collect a debt from me that is not mine. This was noticed when a negative account popped up on my credit report monitoring. I immediately called Phoenix Financial Services LLC to find out what this could be as I do not have a balance of XXXX owed to anyone. It quickly became apparent that this is not my debt, and this is another person with a very similar name. it is assumed it was identity theft but now I think it could be t certain it could be a mistake made by the debt collection agency. They will not provide the documentation I need to file a police report. This has been going on for 3 weeks. It has hit my credit report with a significant decrease in my credit score. This mistake /issue is impacting me personally and I can not get them to cooperate so I can file the police report. They have not been helpful at all. I need this resolved and need this off of my credit. It is not my debt and they are very rude to me. I feel like I can not get anywhere with them.
I am a responsible consumer and I pay my debt, as can be noted by my credit history.
|
| 08/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was sent a letter by Phoenix Financial Services, LLC in XXXX, XXXX, which was recently discovered AFTER this collection group reported a debt from XXXX XXXX, XXXX to all three reporting agencies in XXXX, XXXX. The debt lists the creditor as XXXX XXXX XXXX, in the amount of {$820.00}. When I contacted Phoenix Financial, they had no other information other than the unnamed physician was on staff at XXXX XXXX XXXX XXXX, but did not know where. They were not the original creditor as I was told, nor did they have any other information about this presumed debt. I was told they could get this information and for me to allow three weeks to receive it. Under the Fair Credit Reporting Act, they are to have the original file in their possession prior to any reporting to the three major bureaus, which they did report on XXXX XXXX, XXXX.
I want this item removed as they failed to follow proper protocol - I knew nothing of the debt as my insurance would have paid the entire claim. I was not notified, yet XXXX XXXX XXXX turned me over to XXXX XXXX, and XXXX, causing my credit score to drop XXXX points.
|
| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, I sent a debt validation letter to the debt collection company via USPS certified mail. I have proof that the letter was received by the company 's secretary at the front desk on XX/XX/2023. The tracking number for the USPS certified mail receipt is XXXX.
The letter requested validation of an alleged debt that the company claims I owe. This request was made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).
However, as of today 's date, more than 30 days have passed since the letter was received by the company, and I have not received any response or validation of the alleged debt. This lack of response is in violation of the FDCPA, which requires debt collectors to validate debts upon request within a 30-day period.
Due to the company 's non-compliance, I am being unjustly subjected to the negative impacts of an unverified debt, including potential harm to my credit score. I intend to pursue this matter until my rights under the FDCPA are upheld and the situation is rectified. The amount of the debt is {$980.00} and account number XXXX
|
| 04/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Phoenix Financial Service refuse to send me VALIDATION of this account ( of which I know nothing about ). I filed a dispute with XXXX and they send the same bill to XXXX ( not VALIDATION ), yet XXXX is refusing to remove this account. how could they " verify '' the debt belongs to me if I'm disputing the validity of the debt?
Phoenix Financial have yet to send me validation of the debt ( I send a certified letter seeking it ), but also refuse to remove it from my account.
According to the report : Account Number is XXXX, Date Reported is XX/XX/XXXX, Date Assigned is XX/XX/XXXX, Creditor Class is Medical/Health, Status Date is XX/XX/XXXX. Status is Unpaid, Date of 1st Delinquency is XX/XX/XXXX, Balance Date is XX/XX/XXXX. Amount is {$35.00}.
XXXX is using the bill as verification of the debt. Rather than seeking validation of the debt ( since they won't send it to me ). After notifying me on XX/XX/XXXX that my dispute is being investigated, XXXX closed the dispute on XX/XX/XXXX without notifying me ( had I not check my report on XX/XX/XXXX, I wouldn't know of the status ).
|
| 12/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reached out to Phoenix Financial Services on Monday, XX/XX/18, because i had pulled my credit report and noticed that Phoenix stated I had an outstanding collection with them for a past medical bill. When I reached out to Phoenix I inquired about the valitity of the debt, and they said based on my name and ssn that it was my debt. Phoenix representative then told me that if I paid off the debt they would provide me with a letter of deletion so that the account would no longer appear on my credit reports with XXXX, XXXX nor XXXX. On XX/XX/18, I made payment to Phoenix for the debt based on their representatives statement that they would send over a letter of deletion within 48 hours but on Wednesday XX/XX/XXXX, I reached out to Phoenix again to ask where the letter of deletion was going to be sent. Their new representative stated that he didn't care what the previous individual stated they would do because they weren't providing the letter of deletion which is the only reason I paid the debt. My calls with both agents were recorded, and they refused to listen to the previous call.
|
| 12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a debt collection was added to my credit report which significantly affected my XXXX XXXX. The company Phoenix Financial XXXX is claiming a debt of {$740.00} for which I never received a written bill, statement or proof of services. They are claiming this was from an ambulance use back in XXXX and 4 years later they are claiming this amount is owed, even when I have not received any written bills since then. I also had medical insurance through XXXX XXXX at the time which would have notified me if I owed any out-of-pocket amounts for medical bills, but no company notified me of any debts in writing. I attempted to ask for written proof of this amount owed to the debt collection company and I was yelled at - the representative said that I needed to pay over the phone right there and then while raising his voice. I said I needed to see a written bill before providing any financial information over the phone. I think this debt has been unfairly added to my credit report and it is violating my rights as a consumer according to the FDCPA due to failure to validate debt.
|
| 02/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Medical bill from about 6 years ago.
Went to emergency room in XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. Several days later, phoned the financial/billing office. Told them that at present I was out of a job and gave them pertinent information. Was later told that they had written off the amount as an indigent patient.
Over past five years, I have been employed and have been trying to qualify for a home mortgage. Found out that there was this outstanding bill for {$860.00} for medical on my XXXX credit report. Phoned them to find out what it was. I was told that it was the " doctor 's fee '' for my visit to ER. I never received a bill for this. I have moved several times and there is likelihood that this bill never caught up to me. I assume this collection is probably on each of the credit bureau records.
I told XXXX I would like to pay and clear this collection. I paid {$520.00}, Confirmation # XXXX on XX/XX/2021 and she told me it would come off my report within 5-7 days. This has not been done. XXXX XXXX is who I paid. I was told that this would increase my credit score.
|
| 06/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Shortly after XX/XX/XXXX, I received a notice from Phoenix Financial Services about a medical debt from XXXX. I knew the debt was not mine. I called and tried to tell them that it was not mine. They were brief and said they could only send me a record of the debt. Their statement requested {$2100.00}. I told them they had the wrong person and to not contact me again.
Two weeks late, I received a breakdown of the debt. It was a medical bill from XX/XX/XXXX. It was not mine. They listed my name, but had an address that I never lived at, a birthdate that was not mine, a phone number that was not mine, and insurance information that was not mine. Clearly, they have the wrong person.
Today, I called them again to tell them to leave me alone and that they had the wrong person. I spoke with a supervisor, who insisted that I provide my actual date of birth and my social security number. I refused and said do not contact me again. She made no effort to resolve the fact that they had the wrong person.
Also, their license number application is pending in the state of California.
|
| 04/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of XXXX I was contacted by mail by Phoenix financial regarding a debt of {$1700.00} for medical transport by XXXX XXXX XXXX at which time I directly contacted Phoenix financial by phone and they told me that the service was rendered in XXXX in XXXX XXXX California and was I was supposedly transported to XXXX XXXX XXXX XXXX XXXX also in XXXX XXXX California as a result of a car accident and upper quadrant pain however not only have I never been to XXXX XXXX California but I've also never been in a car accident in XXXX explaining this to Phoenix financial I stated it apparently my identity had been stolen as my purse was stolen in XXXX with all my ID and everything in it Phoenix financial disregarded this so I attempted a dispute through XXXX credit which was also disregarded I made contact with XXXX XXXX XXXX XXXXXXXX XXXX where I was told they have no record of me ever being at the hospital ( included in the attached documents ). I did file I identity theft with the FTC as well as placing fraud alerts on my credit profile however the dispute was again disregarded.
|
| 11/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent out a letter to all three credit bureaus to have the debt from Phoenix Financial Services, LLC to be verified. I do not know where the debt is from, and I understand i have the right to have any debt reported verified. I did receive this letter dated XX/XX/2021 from them stating the were unable to obtain the verification, and will remove it from the credit bureaus and from my credit report. I don't know where this debt is from, and how do I know it is mine?! However, it is still reporting, and till this day the debt has not been verified. I tried to follow up on this, and the only response I'm getting is from collection companies trying to get me to pay them. I don't know where this is from, and it it misleading. This is causing me so much XXXX, and XXXX. Please help me get this resolved. they said they couldn't validate the debt, so how can they still try to collect this debt. Please help me get them to stop trying to charge me something they cant verify is mine, and please help me get them to remove it from my credit as they stated they would. thank you so much!
|
| 09/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Current Creditor : Phoenix Financial Services LLC XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of XXXX XXXX : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, XXXX XXXX XXXX XXXX had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXXXXXX XXXX XXXX is not owed this money hence the dispute.
However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint.
Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
|
| 12/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under Phoenix Financial Serv and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 03/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I noticed that a medical collection account appeared on my credit report for {$1900.00} from Phoenix Financial Services. It is being reported as a medical collection. I disputed the credit reporting and to my knowledge all my medical bills have been paid by insurance. They came back and said the debt was valid. On XX/XX/2022 at XXXX XXXX I called the collection agency Phoenix Financial Services and they advised that they no longer had the account. I advised that if they no longer had the account then they need to remove the account from my credit report. The representative said they will not remove it and referred me to yet another agency called XXXX XXXX XXXX. I called the number provided and was not able to reach a live person to discuss this matter. The number provided was XXXX. To my knowledge if they no longer have the account then they can not report it to my credit report as an open active collection. This is misleading and is considered fraud. I would like this matter investigated and removed from my credit report. Thank you in advance for you assistance!
|
| 01/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I, XXXX XXXX, a natural person have become aware of negative activity that was placed onto my consumer report by Phoenix Financial Service a third party debt collection company.
Pursuant under 15 U.S. Code 1681b- Permissible purposes of consumer reports, I, XXXX XXXX NEVER granted Phoenix Financial Service permission to report any information onto my consumer report.
I sent a letter ( see attachments ) via certified mail with tracking number XXXX to Phoenix Financial Service to let them know that I was aware of the reporting.
This alleged debt was furnished onto my ( XXXX XXXX ) consumer report as medical information. This report has undermined my right to privacy under 15 USC 1681 ( a ) ( 4 ).
Phoenix Financial Service has since deleted the alleged debt from my consumer report by which admitting to willingly and knowingly breaking the law pursuant to 15 USC 1611.
In the letter I ( XXXX XXXX ) sent to Phoenix Financial Service, I listed my remedy as well as attached an invoice for {$3000.00} for violating my rights pursuant to 15 US Code 1692k.
|
| 12/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/XXXX. I received no proof of this debt belonging to me. I later sent a second letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. They signed for this letter on XX/XX/XXXX. Again, i have received no response. This is a clear character violation and lack of validation. I have given over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
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| 08/16/2017 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!
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| 04/28/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I was contacted by Phoenix Financial about a supposed debt. I have all my debts paid in full the moment I receive a bill in the mail. The caller began by going through his speech on HIPAA laws and when I tried to tell him I understood them, he became belligerent with me.
He told me he was going to hang up. I asked if it was OK that I record the conversation as his company was, he said it was OK, but he was not waiting for me to set it up. At this point I asked why he was being belligerent with me, and he hung up. I still don't know what it is that Phoenix Financial thinks I owe them ... ..
The caller was rude, belligerent, and condescending toward me. The actions of this individual are why debt collectors are thought of so badly. I would have happily talked to the caller and explained I have no debt to go to collections. I was not given the chance. Now, this mistake will probably ruin my credit I worked so hard to get right, because someone brought a bad attitude to work. I really hope all Phoenix Financial employees are not this way.
Thanks for your time.
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| 06/22/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been repeatedly contacted by a company by the name of Phoenix Financial Services LLC in XXXX, IN. This company is requesting that I pay them {$1000.00} for XXXX XXXX XXXX XXXX XXXX. I have no idea where this bill is from or if it is being billed to the wrong person. I have tried disputing this claim with XXXX but had no success and have even tried to review my records to see where this bill could have possibly come from. I have always been good with paying bills that I do owe, but I can not give away my money to a company I do not know and don't even know why they are requesting the money. I have never done business with Phoenix Financial Services LLC or XXXX XXXX XXXX XXXX XXXX before and therefore I feel that I should not have to pay them anything. This bill is negatively affecting my credit and I need something to be done about this as soon as possible. They keep offering me deals to pay it off but I won't pay any money to a company I have never heard of. Either this charge is fraudulent or simply incorrect and I just need it removed from my name.
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| 06/28/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.
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| 02/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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About a month ago, I received a call about a debt. They have sent me an itemized list of the debt, but with it, I couldn't get any information from the original creditor. I sent them a dispute, since I wasn't able to get any information on the debt. Today, XX/XX/19, they called me, and I asked her for more information. She claimed that I never gave them my address, which I did -- and said that it was my fault that I didn't get any mail from them. I asked her to send further verification that it is my account, and she said they've sent all they needed to. When I kept asking for a written document showing me more details, she said that she will put me down as " refused to make payment '' and hung up on me. I kept calling, and she would hang up. I feel like if I can't find anything about my bill with the information they gave me about my original creditor, then they should provide more, but they're refusing to. They were willing to provide some info through the phone, but I wanted it in writing. She go pretty loud when I asked for that. What do I do? : (
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| 04/05/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Two fraudulent debt collections ( in the amount of {$320.00} and {$210.00} ) have been filed on my credit report from Phoenix Financial Services, LLC. After calling them, they stated that I have unpaid debts from XXXX ... ( Please note that this alleged fraudulent debt they are trying to collect is more than 7 years old ) On XX/XX/XXXX, I requested a debt validation letter but was told I needed to wait 2-3 weeks for it to be sent. One full month later, no debt validation letter has been delivered.
On my last attempt, I sent a letter ( via certified mail ) to Phoenix Financial Services, LLC requesting that documents validating the debt be sent. To this date, no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. Phoenix Financial Service has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C section 1692g.
I request CFPB to take the necessary steps to protect me from this fraudulent action by Phoenix Financial Services, LLC
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| 06/20/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Phoenix Financial is stating the debt was acquired from XXXX XXXXXXXX XXXX for portion not covered by insurance. This debt was originally sold to XXXX XXXX XXXX. The debt was incurred paid by insurance XXXX XXXX XXXX XXXX. When XXXX attempted to collect the debt, a request of the itemized breakdown was ask for which was not provided. However payment from XXXX XXXXXXXX XXXX Account was used to rectify the debt. Then a bill from Phoenix Financial was received. Upon contact Phoenix, I was advised that " XXXX was our client we are collecting on behalf of, however for anything prior XX/XX/2022, you would need to contact XXXX ''. I advised it not my responsibility to verify the balance they are collecting on behalf of their client to which has been resolved. This debt is rectified, however they appear to be " reselling it '' without ownership from Phoenix to valid the amount on behalf of their client XXXX. This is predatory collection whereby no one is stating ownership of validating balance or paid in full and allowing it to be reported to my credit.
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| 03/31/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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Beginning in XX/XX/2020, I began receiving multiple calls from various numbers in and around the XXXX / XXXX XXXX area. I am cautious of answering calls from numbers I do not recognize because of scams. In addition, most of the calls were coming at times when I am at work. I can not have my phone on me while at work, and so I would see it after I got to my vehicle each day. Tonight, I received a call at XXXX. Upon answering it, they asked for a person and I told them they had the wrong number and to stop calling my phone. The person then said all I had to do was answer the phone and they would have stopped calling, very rudely. After multiple call backs in which I was hung up on, once including when I asked for the company 's name, I finally found out that the company is XXXX XXXX XXXX, a debt collector. I have dealt with them at least once a year for the past 5 years. People continue to put my phone number on accounts. Despite asking that they remove my number from their databases, or associate it to the proper person, it continues to happen.
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| 02/07/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Phoenix Financial Services violated the Fair Credit Reporting Act by not allowing me 180 days to make a payment on the account before reporting to the credit bureaus. They contacted me late XX/XX/XXXX to talk about settling the debt and payment arrangements which I was willing to do. I told them to contact me in XXXX to set up payment arrangements because I had just paid all my bills and I didn't have any money left. The woman agreed to contact me in XXXX. They never called. I called on XX/XX/XXXX because I noticed my credit report had a new collections account on it that significantly dropped my score. I spoke with two women who said it was their policy to report any collections account after 45 days which is totally against Fair Credit Reporting Act. This was something the First Lady never told me about. If she had, I would've tried everything to make that payment in order to protect my credit. Since they didn't allow me enough time to pay on the account, I believe they violated the applicable laws and regulations regarding debt collections.
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| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter on XX/XX/2023 dated XXXX XXXX informing me of an alleged debt from Phoenix Financial Services. I mailed a letter requesting debt validation including any HIPPA release they received from the EMP of XXXX XXXX XXXX. In that letter I included a cease and desist of all telephone communications and that all communications be done in writing. They received my request on XXXX XXXX via certified XXXX mail.
I received a letter XX/XX/2023 from Phoenix Financial Services that did not have any of the information I specifically requested and have a right to by law. I sent a second letter requesting this information via certified mail, they received it XX/XX/2023. As of today, I have not received any other letters from them and since it is past the 30 day response window I have recorded this debt unvalidated.
I received a text message from them today XX/XX/2023 with links to their site. Which I will not click on due to the fact I have sent them a cease and desist of electronic communications. This is also now considered harassment.
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| 12/02/2022 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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In XX/XX/XXXX, I received a phone call of a debt collection of a medical incident that occurred XX/XX/XXXX from a debt company Phoenix Financial. I agreed to pay a payment plan to complete the balance that was owed {$270.00} which was fully paid in XX/XX/XXXX. They stated that the debt will be removed from my credit report. Fast forward to XX/XX/XXXX another debt collection which was not Phoenix Financial called to collect debt from the same medicinal incident that I paid in XX/XX/XXXX. I reached out to Phoenix Financial on Monday XX/XX/XXXX to get a letter or email of proof of payment. A women on the phone stated that the email will be sent next business day. I waited and never received an email. I called back Thursday and spoke with a gentleman to see the status of my email confirmation. He stated that the XXXX on Monday never submitted a request for confirmation proof and he will have a supervisor send me one first thing Friday morning. It is now Friday evening and I still havent received any confirmation of payment of XX/XX/XXXX.
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| 11/09/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XX/XX/17 my Sister went to the doctor, my Sister was married at the time and of age she owes ( {$1200.00} ), the item that is on my credit report is from her going to XXXX XXXX XXXX in XXXX -but somehow this is on my credit report I have disputed this with all 3 credit bureaus and called and spoke with the collection agency, Saying this isn't my responsibility, the Collection agency still refused to take these false charges off of my credit report Saying I am liable for the charges? ( fast forward a couple months ) I've reached out to them again with the same response they refuse to take these false items off of my reports. PHOENIX FINANCIAL SERVICES LLC is falsely and fraudulently putting these on my credit report and they have the same collection on my credit report multiple times as well. Company 's that are allowed to willingly do this to American citizens is a shame and shouldn't be allowed, this has stopped me from being able to purchase a house because I am being extorted for something I AM NOT FINANCIALLY RESPONSIBLE FOR.
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| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL to XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from Florida XXXX XXXX.
In XXXX, I was advised that I had a collection on my credit report from XXXX. Phoenix Financial Service had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless Phoenix Financial Services due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report.
PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop.
This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX
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| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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I was contacted by Phoenix Financial Services on my business phone during business hours. They called serval times and hung up after each ring. They asked that I verify my personal information, I refused and asked that they verify who they are and why they are calling. The rep refused to provide any details about the company. He stated that I owe a medical bill to them but would not give me any information about the alleged debt or the medical facility where the services were provided. ( I owe no one! I have Insurance that covers all my medical needs ) He mentioned someone else 's personal information mixed with some personal identifiable information of mine. This sounds like a merge of information!! I'm not sure. I don't know who Phoenix Financial Services are AND I've seen where they have been sued many times for their deceptive and aggressive collection practices. I will report them to any and every platform. ( XXXX ) ( XXXX ) ( CFPB, YOU GUYS ) and the ATTORNEY GENERAL. As I have RIGHTS as a consumer! ( FDCPA ) ( FCRA ) ( FTC )
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| 03/28/2017 |
Yes |
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- Incorrect information on credit report
- Account terms
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Web |
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I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
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| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a letter from Phoenix Financial Services on XXXX XX/XX/2023 regarding a {$250.00} medical bill bought from XXXX XXXX XXXX. The letter gave the option of sending in their attachment disputing the debt and to have them forward proof this was my debt. I mailed this back on XXXX XX/XX/2023. Phoenix Financial Services failed to forward the proper documentation to prove this was my debt ( I still have not received as of XXXX XX/XX/2023. This is now a collection on my XXXX credit report. As of XXXX XX/XX/2023, my XXXX score for XXXX was XXXX. As of XXXX XX/XX/2023, it is now XXXX taking a significant XXXX XXXX decrease. The real legal issue is with XXXX. Any outstanding OR paid medical debt of {$500.00} dollars shouldn't be a collection account on XXXX, XXXX, nor XXXX. This collection account needs to be removed immediately. Phoenix Financial Services isn't following Federal law and XXXX should NEVER have placed a medical collection for {$250.00} on my credit report. I'm not requesting this to be removed. I'm demanding it.
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| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received notification in XX/XX/2021 that a new collections account was added to my report from Phoenix financial. I never got any calls or letters in the mail notifying me about this debt. Approximately 1 week ago, I received a call from someone who claimed to be calling about the debt of XXXX. I told him I had no knowledge of this debt. He began to give me specific information about it including the date of service, the provider, type of service and that it was due to a hospital stay. HE DID NOT CONFIRM MY IDENTITY before divulging this information. He never asked me to confirm my date of birth, or any other identifying information. I then asked him to send me a letter with the details and validate this debt. I never received a letter nor did he notify me of my right to dispute. this is a violation of texas finance code 202b stating that any debt collector has to notify you first and send you a written letter validating the debt upon request. Also you have to allow 30 days, allowing you to dispute any inaccurate information.
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| 05/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit
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| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I called pheonix financial services to ask over the phone when the debt on my credit report in collections was incurred. I spoke to XXXX. They told me over the phone what it was and I never disputed the charges. Later, I saw a mark on my credit report saying a dispute was opened. I called them back and spoke to XXXX again and told her I was not disputing the charges. She told me when I called to request a letter, they automatically dispute it and told me they sent a letter to the wrong address ( one I have never lived at, so I am unsure of where they got that address ). I never requested a letter. I asked her to review the recorded phone call to see I never asked for a letter. She did, called me back and agreed, I did not ask for one. She spoke to her manager, named XXXX and they said they are unable to remove the dispute. I called multiple times with the same answer. They said it should have automatically fallen off and they don't know why it has not. I never diaputed this collection and they are reporting false information.
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| 11/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I set up a verbal arrangement XXXX a month. At the end of each month. I call Phoenix Financial to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. XXXX XXXX XXXX / Phoenix Financial has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws.
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX
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| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have received letters from 2 different credit collection agencies ( the most recent from Phoenix Financial Services for XXXX XXXX XXXX XXXX, XXXX, for a charge of {$710.00} from XX/XX/XXXX from XXXX of XXXX XXXX XXXX . At the time I had Medicaid and I have spoken to medicaid several times and each time they tell me the responsibility for this charge is NOT mine and they should send the bill to them for payment. They said they never received the original bill and no one can produce that original bill for me.
It is still showing as my responsibility on my credit report. The collection company is Phoenix Financial Services, LLC - XXXX XXXX XXXX - XXXX, IN XXXX. - PH # XXXX, I am attaching proof from Medicaid that I had Medicaid on XX/XX/XXXX. I spoke with Phoenix on XX/XX/XXXX and they said they were sending this bill to Medicaid. As of today it is still showing up on my credit report. This charge is not my responsibility and I need it off my credit report so I can apply for an apartment in XXXX. I appreciate your help!
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and Phoenix Financial my medical information. This medical bill was submitted to, or should have been submitted to XXXX County for XXXX care ; as I requested more than twice.
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. Because the CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, it is obvious they are not a covered entity.
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
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| 09/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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Didnt even know I still owed this company. Was making payments tehn stopped receding a statement. I have great credit and pay my bills. This is insulting to me. Why didnt they contact me and let me know I had that small amount left instead of trying to tarnish my credit.
However the past three months I had fraudulence on my checking account and then followed someone scamming my mail and having all my mail forwarded to a XX/XX/XXXX address and I live in XX/XX/XXXX. Been working with a privacy investigator. The post office said some physically came into a post office and change my address. So its been a nightmare. I recently started receiving mail but most business transactions I do now are through email. Had to get s new debit card. Changed my credit cards. So if they did mail something to me in the past 3 months I would not have received it. If they send me a bill now I would be sure to take care of it but I dont feel its fair to be on my credit report when its nit my fault. Cant pay something I dont know about.
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| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP.
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX
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| 08/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was contacted on XX/XX/XXXXXXXX to pay a debt for an ambulance ride in a city I don't live in on XX/XX/XXXX. They asked for my birth date to validate my identity. I asked what the call was regarding before I provide personal information. They said they could not answer until I had verified my identity. I gave them my birth date and they identified themselves as Phoenix Financial Services. They also said my birth date was one date off, they had the XXXX. I said well there you go it's not me. They said until I prove it wasn't me I'm responsible for a bill of more than {$2000.00}. I hung up and called the hospital they told me, XXXX XXXX in XXXX XXXX, once again, not where I live. They have a record of someone with my name, but incorrect middle initial, different parents names, different social security, and incorrect birth date as well. As the details diverged more, the hospital stopped being able to tell me more. I am not a patient in their system either so they could not help me further or send documentation.
|
| 04/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I had received a letter from Phoenix Financial Services at the end of XXXX over a debt that I was not familiar with from almost 6 years ago ( without any degree of verificaiton ). It said that I had until XX/XX/XXXX to respond or request verification before any action was going to be taken. Phoenix financial services began taking action to impact my credit score well before this date, and has been ignoring numerous requests that I've submitted on their website, as well as to their email system since early XXXX. I keep demanding verification of the debt and they continue to impact my credit score and attempt to collect. Phoenix financial services has not replied to me or tried to contact me in several months, it has been well over a month since I reached out to them and requested verificaiton and it is completely unacceptable. It is completely unfair that a collections agency can hold my credit score hostage for several months while refusing to speak to me and give me info about a debt that they refuse to verify.
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| 07/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
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The original debtor on this medical bill from XX/XX/2013 that has not been validated was originally being collected by XXXX however 6 years later was sold to PHOENIX FINANCIAL SERV that has been submitting the same account from XX/XX/2013 re-aging it on my credit at least 3 times in past month flagging the account as collection account without making correctly reporting the account as an old account but rather making it appear new. XXXX could not collect on this account because they failed to send any information that would validate the debt and has since been disputed and removed from my credit file now it is been sold to a new agency who is abusing my credit and affecting it negatively I have not received any correspondence from this company my first notification came from my credit monitoring application with XXXX I have filed a dispute with XXXX that is currently pending in the meantime the company continuously keeps hitting my report flagging the account negatively driving my score down significantly
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| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for Phoenix Financial reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a 0 balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
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| 06/26/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX I received a bill/letter from Phoenix financial services stating that they were a debt collector trying to collect on a medical bill. I received this letter on XX/XX/XXXX in which according to the letter I had a certain amount of time to respond on which I did with the following. Dear Phoenix financial services I would like you to send me any and all information about this debt. Name of original creditor, the original amount due, etc. The amounts they say I owe are not matching. What I mean by that is the original letter had different amounts. When speaking to a rep when I received the first letter, person name was XXXX XXXX said they were willing to settle for a little over $ XXXXfor both bills.
I received their itemized letter XX/XX/XXXX it's not itemized. What they are trying to collect on is a XXXX year old ambulance bill the date XX/XX/XXXX.
It was from a car accident which my insurance company covered. My insurance agent has all this information also and they are also looking into it
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| 08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Phoenix Financial is a debt collector that is reporting on my credit report that I owe them medical debt through a hospital that doesn't exist, the present hospital have no record of any outstanding balance on record. The doctor claim that Phoenix Financial is trying to scam me and doesn't have any idea what I'm talking about after contacting every hospital on XX/XX/2019 that this doctor affiliated with. However, doctor XXXX XXXX XXXX stated that this is fraud by this collection agency and I should seek legal action. I try to provide my Insurance information to this company which they inform me that they can accept medical card only credit card. I offer to pay {$99.00} to this company to delete or removed this debt from my report which I have on recording, I never received and email or a tax 1099 but I believe that this company is a scam. I would like a detail investigation in this matter and a lawsuit against this company for falsely obtain information through medical data and scamming innocent families.
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| 01/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was contacted by Phoenix Financial Services by mail and by phone attempting to collect a debt of approximately XXXX on behalf of XXXX XXXX. I had already paid this debt over a year ago to a different collection agency and has since been removed from my credit report. I contacted banner health and they confirmed that I do not owe anything and advised that that is not a company they contract with for collections. I have no idea how they obtained my information. I woke up this morning XXXX XX/XX/2021 XXXX to three missed calls starting at XXXX. The agent did not attempt to verify me in any way prior to rattling off my name and birthdate, having worked in the financial services sector and on phones most of my career I know this is a direct violation of information security policies of most legitimate business and in some cases a violation of state and federal law. Considering that this was supposedly an attempt to collect a medical debt than that information would fall under HIPPA protection as well.
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
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| 07/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing.
The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification.
I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.
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| 06/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am submitting this complaint pursuant to the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and the Fair Credit Billing. This collection agency has violated my rights as a consumer and have violated the above Federal laws regarding an alleged collection account that they are attempting to collect on.
PHOENIX FINANCIAL SE, is attempting to collect on an alleged medical debt that I have no knowledge of. The original creditor, their client is : XXXX OF XXXX COUNTY, in the amount of {$330.00}.
I personally have never received any written notice regarding their attempt to collect of this debt and was never given the right as a consumer to dispute this debt. While they might give you a fictitious explanation or a date as to when they sent a notice out to me,,,,, I never received one therefore, prior to putting this damaging information on my credit. Because of their actions I am unable to apply qualify for a loan to feed my family due to this obvious violation of the law.
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| 08/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had my medical debt taken care of last year. I have had medical insurance now through social security since XXXX of XXXX. All my medical bills are covered by my insurance. When I lived in XXXX I was able to receive medical coverage when I was in the hospital and had coverage until I moved to XXXX XXXX in the fall of XXXX. I just received info that I have medical debt from a Phoenix Financial services. It is not stating where or when the debt. It has brought my credit down over a XXXX points. There are three separate collections. Two for the same amount and then the 3rd one is a different amount. I don't understand how it can be wiped and then completely different debt is put on my credit report. The debt they are stating I owe is not the same as the ones I had two years ago.
After researching the company it seems I am not the only one with this issue with medical debt on their account that doesn't belong to them.
I can be reached best by email.
Thank you for your help, XXXX XXXX
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| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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The PHOENIX FINANCIAL SERVICES has added TWO older collection accounts to my credit profile as a " new '' collection from XXXX, it was recently sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my XXXX XXXX. The original creditor has the date from XXXX or earlier and not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit XXXX and future, is deeply concerning. Simply put, This is reaged debt and needs to be immediately removed.
The Same actions have been taken by XXXX XXXX SYSTEMS in reaging debt they purchased in XXXX that belongs to XXXX or earlier I have previously complained to the CRA 's but they are parroting the reporters language and not performing a maximum possible accuracy.
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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This collection company is but a multiple number of agencies used by XXXX XXXX XXXX XXXX to collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to Phoenix Financial Services LLC dba XXXX XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. XXXX XXXX XXXX has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.
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| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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on XX/XX/2020 a claim was entered to the major reporting companies for XXXX dollars. the debt reported was once removed from the major reporting companies ( XXXX and XXXX ) This was old debt from an ambulance ride. in 2020 it is hard to tell what is real and what is a scam anymore. I asked 3 times for a verification of debt in the mail. however, nothing was received on my end. Phoenix said they sent 2 letters out. the third time I asked the man I spoke with laughed and said " Nah man '' and hung up.this was at XXXX XXXX. I also said I would call back the following day after looking to see if my father confused this mail with his. the collector was very rude. so I figured it was a scam. in the beginning of XXXX it was back on my report. assuming phoenix bought it from the previous collection agency. they have called multiple times daily, at all hours of the day and night. IN THE MIDDLE OF A PANDEMIC. nothing in the mail, and an insane amount of phone calls at all hours of the day.
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| 09/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Phoenix Financial Services. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I don't know exactly why I am being charged for a medical bill that I didn't even commit. I haven't been to the hospital in years and also If I were to go to the hospital I would of told them my insurance, so it'll be charged to them instead of me. this is not me what so ever and I demand that this debt gets took off asap. I sent a letter on XX/XX/22 regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
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| 02/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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According to the three credit bureas the amount owed is XXXX {$1000.00} I contacted the emergency they didnt provide me with any infomation and infomred me to contact the debt buyer, I contacted the debt buyer who told me a month ago that I would received documentation for this debt within 30 days I asked the rep to provide me with proof of an itimized bill, date of service, service rendered and the physician name with my signature as a form of proof they told me all that information would be included in the documentation that I still have yet to recieve. Im convinced that this debt does not belong to me. I haven't been to the emergency around that time. Its so unfair that agencies like this exist becasue not only do they have my medical documents so to speak they have acces to my senstive information such as birthday and SSN Date opended XX/XX/XXXX Open balance XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX PHOENIX FINANCIAL SERVIC Debt Collector Last reported XX/XX/XXXX XXXX
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| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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File a dispute with XXXX which DID NOT investigate this and left it unchanged. This account is the result of identity theft and XXXX is refusing to correct it. Phoenix Financial deleted it from other credit bureaus.
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022.
Account info : PHOENIX FINANCIAL SERVIC Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022.
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment XXXX XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In the year of 2019. I am unsure of a medical procedure taken place. If it is true. I have been furnished with medical insurance all my life. I have submitted proof of this insurance in a dispute that has been underfor over the past few weeks. Nothing has been done about it in the decision. I am only aware of what they have on my credit report. The amount is XXXX from a medical group. When I called that is when I became aware of it being a medical bill.. They noted the account to settle for XXXX but I informed them I have had insurance all my life.. However, when submitting the proper documentation such as NJ XXXX XXXX XXXX # and the XXXX XXXX NJ XXXX through a dispute with XXXX. My information couldn't have been ran through the system appropriate because the completes investigation says " We confirmed with the creditor that the amount is accurate. That is not the appropriate argument.. The argument is I have had medical insurance ALL my life this shouldn't be on my report.
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
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.
|
| 07/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/XXXX and a 2nd validation letter was sent to the agency and attempts to call and provide XXXX information again was made but unsuccessful. On XX/XX/XXXX credit report was pulled again and the account is still reflecting on my report despite multiple attempts to clear the discrepancy and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance and that all information is correct.
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect {$98.00} and {$1200.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 04/30/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is trying to collect {$160.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 07/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received multiple calls by this company over the last week. Upon answering, I was told the reps name and that I was on a recorded line - and she asked for me by name. I refused to answer and instead asked for the company name. The rep would not answer me, never told me what company they were with, and asked me again if I was the person shes trying to reach. When I said I refused to answer anything if she wont tell me the companys name, the rep hung up. They have since attempted calling me three more times.
When I called the number back, it greets with Phoenix Financial as the company, which is a debt collector. I have received one bill notice via physical mail from this company in the past, about 6 months ago ; but I have no record on the origination of the debt they are requesting to collect. When they sent the letter, it didnt specify where the initial debt came from. I feel as though this is a scam tactic to collect money that I dont actually owe.
|
| 05/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted a dispute on XX/XX/2022 with XXXX regarding 4 collections on my credit report because I wanted to know what they were. Three of them are from Phoenix Financial all for the same amount of {$980.00} and the other is from XXXX XXXX XXXX in the amount of {$1400.00}. Not only did I not receive information on these collections but they were all added again to my credit report! So what started out as 4 collections is now 8 and were added on the exact date that I filed the dispute! There are now 2 for {$980.00} acct num ending in XXXX, XXXX for {$980.00} acct num ending in XXXX, 2 for {$980.00} acct num ending in XXXX for Phoenix Financial and there are 2 now for XXXX XXXX XXXX for {$1400.00} both ending in acct num XXXX. I then disputed those and got nothing. I told them they were duplicates and still nothing and I don't even know what they are for. So aggravating! Don't know if this is a problem with XXXX or the creditors but need this fixed! Thank you
|
| 02/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On this date, XXXX XX/XX/XXXX, I received a notification by mail by a company called Phoenix Financial Services claiming I owed a debt of {$40.00} for XXXX XXXX rendered on XXXX XX/XX/XXXX. The Phoenix account number listed was XXXX and the Creditor Account number was XXXX. Original Creditor Listed was XXXX XXXX XXXX XXXX.
I knew immediately this was a scam as, on XXXX XX/XX/XXXX, I was stationed at XXXX XXXX XXXX, in XXXX XXXX, TX, as a service member in the XXXX XXXX in XXXX ( XXXX XXXX XXXX ). If I required medical care, it would have been provided by the U.S military and not a private medical facility. I can prove my location at that time through military records and official orders. There is no XXXX XXXX in Texas, and no such company in the state of Texas.
I attempted to call the company and the phone was answered by an unnamed gentleman who proceeded to scream at me. I was do not tolerate verbal abuse and hung up on them before finding resolution.
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
consumer financial helped me two months ago and removed a old debt and a collection agency off my credit i made the complaint and the collection company removed them self off the report since XX/XX/XXXX anothe collection company pheonix financial solutions bought the debt and reported it new on my credit report when original bill was XX/XX/XXXX. the statue of limitations ran out XX/XX/XXXX. I would like this removed since the prior collection agency debt recovery services, did not have the discovery or validation of the debt i'm pretty sure that this pheonix doesnt have any paper work either since they bought a 6 year old debt that wasn't even valid from XXXX. Can you please help me and het this debt removed off my credit report its illegal what Pheonix is doing they know its a 6 year old debt and they are reporting it as new its lowered my score i have r1 credit please help you were so helpful last time, Thank you for your time, Sincerely, XXXX XXXX XXXX
|
| 02/06/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last year I discovered several medical collections on my reports that I did not recognize. I contacted the XXXX XXXX of Georgia hospital and after an investigation they concluded that they did not belong to me. A collection agency called XXXX XXXX was reporting the debts. The debts were removed in XX/XX/XXXX of last year. I have now discovered that another collection agency is reporting the same debt that I had removed. The collection agency is Phoenix Financial. I have never heard of this agency and they have never given me an opportunity to dispute the validity of these debts. If they had done so according to the FDCRA then they would have known that the debts did not belong to me and were removed from my reports. I was advised to dispute with the credit bureaus and file a complaint with this agency. This collection agency is using illegal tactics to get consumers to pay collections that they clearly DONT own and that they know they can not validate.
|
| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX Phoenix Financial contacted me about a medical bill after the very rude representative gave me the information I explained to her that another collection company tried to collect on this same Debt in XX/XX/XXXX and that original bill was only {$100.00} and it was paid in full. I still have the letter that I requested from XXXX that I sent to the first company, I can fax to you. She was very nasty and said we will see. I faxed her the letter dated XX/XX/XXXX along with a copy of my medical claim from my insurance company showing the original amount was only {$100.00} not {$410.00}. She informed me they brought this debt and I stated you brought bad debt because this never made it to collection and it was paid in full. I dont know how you all even got my information l. The original company was not a company that XXXX Maryland states they used for collections XXXX Maryland states they never heard of them. I also sent a second fax XX/XX/XXXX.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX anXXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX Billed me. I am a XXXX client. XXXX XXXX ( XXXX ) response was '' XXXX Response : Thank you for contacting XXXX XXXX customer service. I? m sorry you? re experiencing this billing issue. Please contact the provider? s billing department and inform them that as a member of XXXX/XXXX XXXX you? re not responsible for out-of-pocket expenses per XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and should not be billed. If the provider has any questions about the claim filed, they can contact XXXX XXXX directly. If you continue to receive bills for this appointment, please contact XXXX XXXX XXXX XXXX at XXXX XXXX to file a grievance. Feel free to contact Member Services if you have any additional questions, XXXX XXXX '' I sent this to XXXX XXXX XXXX. Now this bill is on my credit report!! I am stll receiving bills. On the XXXX site XXXX gets an F rating because bills are paid and they still put it on credit report!! XXXX COMPLAINTS-https : XXXX
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| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My situation pertains to multiple collections being placed into my Consumer Credit Files by Phoenix Financial Services Collections, without verification/validation or requested documentation or investigation as requested.
In some case items are removed due to failure to provide such documentation and are then reinserted in duplicate, again with no notification as required under law. In this manner Phoenix Financial has glutted my credit files, duplicated entries and driven me to desperation. They have yet to comply with any request at validation under FDCPA or even FCRA guidelines. They ignore my requests and provide invoices ( their bills ), but no tangible proof that the debts are accurate at all. I challenged the veracity of their claims, and to date no such proof has been forthcoming. It is my belief that they do not hold such data, and are cramming and trying to bully me into paying something which as I have stated multiple times, is not mine.
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| 06/06/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
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| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Phoenix Financial Services does not have a license to act in the State of California. They are attempting to collect a debt that they claimed I owe but are acting outside the bounds of the law. Their NMLS ID is XXXX. They are licensed in 12 states but California is not one of them. I already paid them {$260.00} but after submitting an initial complaint, I realized that they are not acting within the bounds of the law.
The letter they sent me clearly shows that it was mailed to my address in California and that they are attempting to collect a debt. They even accepted payment from me over the phone while I was in California. This is highly illegal and they need to be investigated for engaging in illegal activities.
For anyone who is dealing with Phoenix, double-check their NMLS ID to make sure they are able to practice in your state. Very likely, they aren't. The image I provided clearly states " California License Number : Application Pending. ''
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| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to XXXX XXXX who is attempting to collect through Phoenix Financial. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.
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| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have received notification from Phoenix Financial Services that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in California ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report.
I have requested that the company allow me to dispute the debt but that has not happened as of today.
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| 12/30/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a medical emergency on XX/XX/2018. I have insurance and submitted my insurance card/info. The hospital visit was paid but the doctor which was a contracted doctor through the hospital was never paid.
A year later I started receiving calls from a debt collector requesting the payment. I called the hospital and the insurance company and explained I have insurance and why this bill went to debt collection. They could not help me as # 1 it is now a year later and they will no longer submit the payment thru insurance and # 2 since it is in debt collection they will not do anything.
Main issue is that I had insurance and it is not my fault that the doctor payment was never sent through insurance until a year later and now insurance wont take care of it.
We have been getting the same calls every year since 2018 and no one can help us. The debt collection is attempting to make us pay {$500.00} for the doctor when insurance should be paying.
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| 03/19/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Late last year, I received a letter from a collection company called Phoenix Financial stating that I owed {$1200.00} to a company called XXXX XXXX XXXX. Shortly thereafter there appeared entries on my XXXX and XXXX credit reports as well. I contacted the collection agency via is mail in XX/XX/2018 asking for specific information about the alleged debt, as I had never heard of any of the companies involved and in no way felt it could be owed by me, and that if they could not verify the information as requested the were to cease communication and remove the credit reporting entries. To date there has been no further communication from Phoenix, yet they still fraudulently continue to report the account that isnt even mine to the above referenced reporting agencies. I would be happy to provide you with a copy of the letter that I mailed back in XXXX as well. Please have this company stop reporting an account on my reports that doesnt belong to me.
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| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Phoenix Financial Services is attempting to collect a debt for the amount of {$930.00} and has reported a collection on my credit report causing me to not be able to qualify for a property I was in the process of acquiring.
I spoke to them letting them know the information they have is incorrect, as they have the wrong birthdate listed for me, but they insist that the debt belongs to me, when it clearly doesn't. the original debt is owed for an Ambulance service in 2018, I have never been to a hospital and have never been in an ambulance.
Phoenix Financial Services asked me to file a police report, but the police said they can't file a report since I have not made any payments on the debt.
All this is costing me time off from my work which means money, and causing a lot of stress since I can't not qualify for any properties for me to live, and I need to find a new place to live since I am new in the area after relocating from another state.
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| 02/26/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I've learned that Phoenix Financial Services is a debt collecting agency after I saw this debt collection show up on my credit report. I contacted Phoenix to get information about the creditor as I'm unaware of who they are. They did tell me the bill from this creditor is from XXXX. It's now XXXX. I have never received a bill from the named creditor nor have I received a phone call regarding any debt. I have had the same phone number for 20 years and while I have moved, my mail had been forwarded to current address. Why have I not heard from the creditor or this collection agency regarding this bill over the last 2 years? I last spoke to Phoenix collection agency on XX/XX/XXXX once again requesting an itemized bill and information on this creditor and still have received nothing. I confirmed my mailing address, phone number and email. It's been over 60 days and still have received nothing. I can only assume this is fraudulent as this point.
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| 03/22/2017 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
Servicemember |
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This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!
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| 09/15/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Medical provider was paid by my insurance provider XXXX XXXX, the medical provider double billed for services, had a call with the medical provider and XXXX claims rep and requested an investigation into the billing which medical provider didn't conduct the investigation and did not provide any investigation documentation.
I just received letter from XXXX FINANCIAL SERVICES that I have a medical bill that is in collection and it has be placed on my credit rating.
The medical provider XXXX XXXX XXXX XXXX XXXX, date of service was XXXX XXXX paid {$6500.00} which included the XXXX XXXX to XXXX XXXX XXXX, XXXX I had a {$350.00} out of pocket which I paid in full, now I have a collection I would like to bring to your attention I have always maintained a good credit history and diligently have paid all my debts in a timely manner, Therefore I find it highly that I would have any outstanding balances unpaid unless there was a billing mistake.
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| 06/14/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On the morning of XXXX XXXX , XXXX I was alerted by XXXX that a negative credit item had been added to my report. I subsequently learned it had been added to the other credit bureaus, as well. They are claiming I owe {$1000.00} from alleged medical services performed by the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ( three years ago ). When my wife spoke to them this morning, they claim they purchased the debt from a company called " XXXX . '' I have never had any contact with either the physician group noted above or any company named XXXX about any debt. Seems like if this was a legitimate debt, it would have been placed for collection three years ago. Even if this were legitimate, I can not go back three years and determine what happened. I called the billing company for the physician group listed today and they have another XXXX XXXX in their records, but none with my date of birth or address.
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| 03/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Company name is now called Phoenix Financial Serv. Prior company named was XXXX XXXX. They keep changing names of company so it will impact credit negatively. I know this due to the phone call i recieved from the company. They do this so credit scores will not be able to rise due to an old debt, but looks like a new debt to credit agencies. all because they keep changing name of company. Its not supposed to reflect negative on credit if the debt is over 2 years old. Its a shame that because i went threw a hard time no health insurance, that I have had negative items on my credit for almost 7 years. How can one ever get ahead if there are companies acting out with gray business practices? This has been going on for 7 years now on my credit, they have changed names atleast 4 times. they do this to the people that are unable to pay very old debts. An agent for there company told me that some 5 months ago when attempting to collect the debt.
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| 04/11/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.
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| 08/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported
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| 12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Phoenix Financial has reported a collection on my credit report for {$200.00}. I have sent a validation letter to get the account verified but they have not done so. I have even asked for these things 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Valid copies of the debt agreement stating the amount of the debt and interest charges.
4. Proof that the Statue of Limitations has not expired.
5. Complete payment history on this account along with an accounting of all additional charges being assessed.
6. Show me that you are licensed to collect in my state.
7. Your license numbers and Registered Agents They did not provide me with any of this information and they put on my credit that I have disputed this account. All I am doing is validating the account how could this be a dispute? That is false information.
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| 06/03/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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While Im the XXXX my medical insurance was given to the hospital. The XXXX doctor or that doctors staff never got the health insurance information from me or the hospital. I did not know of this debt until a year later when checking my credit. I have tried multiple time to resolve the debt. I have had my health insurance company on the phone with the debt collector trying to submit my health insurance to get it resolved. The debt collector made it impossible for the the debt to be paid.
After how many phone calls and running around to get this resolved with the collector and my insurance company l. For the negligence of the doctor and staff. I was never billed and found out a year or so later that I accrued a debt. I am a XXXX XXXX XXXX. I have better things to do with my time than run around and collect documents because of the negligence of a doctor and staff.
My insurance info should of be passed on to them or got it from me.
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| 09/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 I sent Phoenix Financial Services LLC a dispute/challenge via certified mail USPS. This letter stated that I would need proof or verification that is account is mine because I do not believe the account is mine. I requested documentation which I never received. On XX/XX/XXXX I sent another letter to Phoenix Financial Services LLC via certified mail USPS this letter was a request to remove the negative account from my consumer credit reports because Phoenix Financial Services LLC is in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Phoenix Financial Services LLC has still failed to remove the negative information from my credit report. This is clearly willful noncompliance. I have maintained a careful record of all my communication with Phoenix Financial Services LLC.
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| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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'..
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| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report.
I have an attached copy of my ID Theft Report in the attachments.
NAME OF ACCOUNT : PHNX FINAN ACCOUNT NUMBER : XXXX I demand that the all and any accounts from the following accounts be removed immediately off my credit report.
Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed
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| 10/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I allegedly have a medical debt in collections, and I spoke with multiple people about verifying its authenticity, and I wanted more proof that it is in fact my debt. I asked them to send me proof that its my debt, like my name on a contract, signature of me acknowledging the debt and things of similar nature sent to me. The first time, they didnt send anything. The second time, they sent me a single piece of paper, a collection notice that I owe them money. They said thats the proof I asked for. I said I wanted proof that I acknowledge the debt, name on contract, bills with my name on it and things like that. Not something they printed off their computer saying I owe them something. Thats not what I asked for, so I told them if they cant send me the related documents I asked for and cant prove its legally mine then to stop trying to collect it and stop calling. They still keep calling, and they even started calling my work.
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| 02/22/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I called them on XX/XX/2021 after i noticed a debt on my credit report of {$2000.00} i told themI am on XXXX and XXXX that they have paid well over XXXX and who is this from and how can I contat them they told me that they could not disclose this information and that they would let themknow that I was on XXXX. I researched on what they are required to tell me and one of the things it mentioned was the information of the original creidtor I called them 3 times and on all of the 3 seperate occasions they still disclosed the same information that they are not to give me the information as I am XXXX and all my other bills are paid I thought this was a fraud collection agency I did some research and it indicates they are in fact a debt collector agency althought they are they are not following the laws of not disclosing that information to me I feel that they should be reported to you as the Consumer Financial Protection Buereau.
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| 09/15/2015 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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# 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:
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| 01/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
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| 08/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.
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| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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Today I found fraudulent collections reporting to my credit. So I reached out to the number provided on my credit report and they are claiming I owe an ER bill from XXXX. To be clear This debt is not valid and I does not belong to me. I have already disputed this with the credit bureaus. They reported the date on my credit report in XXXX and not in XXXX, Which I believe violates the FCRA and FDCPA. I had this same issue with the previous creditor and let them know it was fraudulent, disputed it and had it removed. It appears as if it was sold to this company. During my call today I advised them of the situation and let them know to remove it from my credit report. The supervisor I spoke with refused to help me with this and said she will put notes in the account. I asked to speak to someone who will help me with removing this fraudulent debt, the supervisor would not give me any information and hung up on me.
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| 12/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2019 I received a email notice that my Credit Score had a change and to review for accuracy. When I looked a XXXX, XXXX and XXXX, I saw that a debt collection had been added to my file causing my credit score to drop from 750 's to XXXX.
When I reviewed the issue it appears that the debt collector is Phoenix Financial Services and is a medical bill. Of note, I have NEVER received any notices, bills, demand statements, calls, texts or emails regarding this issue.
I sent an email to Phoenix Financial Services requesting documentation as to the validity of this debt, to which they have not responded.
Should this be my debt, I have always maintained health insurance which would have surely notified me of any outstanding non-payment of services.
I have excellent credit and pay all my bills ... this irresponsible gesture has hurt my credit report with no communication whatsoever from this company.
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| 06/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I have tried several times to let pheionx financial know that I have no clue why they continuously add/ and remove this account I know nothi g about. It's getting pretty nerve wracking that I explain, and then it comes back on as a new delequint account. There is also a XXXX. Bill that I have no type of knowledge of and do beleive somewhere, someone used. My name. I feel it could have been someone that knew my kiddo, bit I cant ask her know because she passed away a few months ago.. I didnt love on XXXX XXXX XXXX # XXXX and I asked them toremove that address from my report. There is also some type of motor lease thats connected with that same address and apparently someone tried to buy a motorcycle in my name. But never got one ... but its on my record. Now that I need to finally use my credit..i cant because someone has made a mess of my reports with stupid lol things. I would like for them to removed.
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| 04/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The company posted a collection to my credit report without notifying me or providing the opportunity for me to dispute the debt. They never contacted me. I disputed the collection online and requested verification of the debt, which they have failed to respond in a timely manner. 33 days after I disputed the debt, I received a verification letter stating verification was enclosed, but it was not- it only contained my name and address, my daughters name and birthdate, my insurance company falsely listing me as the primary insured, a phone number which is not mine and another debt collector + case number that is not associated with any medical practice we use. This does not validate the debt, there is no date of service or description of service provided, no documents showing authorization of charges, I am not the insured or fiduciary, and they did not provide account numbers for the original creditor.
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| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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On XX/XX/XXXX I received a debt collection notice from Phoenix Financial Services for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my XXXX XXXX and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my XXXX XXXX / personal XXXX information.
|
| 09/30/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX Pheonix Financial Services sent erroneous bill with account numbers that have no association or permission from me to have been created. It lists XXXX of XXXX County as the original creditor for alleged ambulance transport that never took place. I never received emergency care during XXXX. 2 different account numbers are listed on the bill and I did not give consent to the creation of either one. It also lists XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the current creditor who assigned it to Phoenix Financial Services. I have made several attempts to have ALL 3 entities correct the matter to no avail. I have also requested a copy of the original contract with wet ink signature and no response. Injury has resulted from the inaccurate reporting placed in my credit file. I would appreciate this matter being resolved expeditiously. Thanks in advance and please forward to ALL parties named.
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES received four of my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete.
They still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), you have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately.
|
| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I have attempted to reach out to the collection agency to provide me with services that I had ( medical ), I request ( disputed ) 3 times in total directly to the bureau for Please be advised I have requested validation { not verification }, both the creditor and bureau ( XXXX ) have provided me with anything, the creditor has not responded to my concern.
PHOENIX FINANCIAL SERV did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Account # XXXX AND Account # XXXX
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, I have contacted XXXX regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from XXXX.
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.
Please remove the following inaccurate information : Collection Creditor : PHOENIX FINANCIAL SERV XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Thank You Sincerely yours, XXXX XXXX
|
| 12/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had went to the XXXX XXXX hospital on XX/XX/2016 and I was fully insured with XXXX XXXX XXXX XXXX. Due to faultiness on Hospital end they did not bill my insurance correctly and thought I owed them money. Once I brought it to their attention that I did not owe them any money and that I was fully covered they then fixed their error and gave me a statement along with Phoenix Financial Services showing that I have a XXXX balance because I never owed anything. The director has also reached out to them with no luck to get them to stop trying to collect a debt that is not owed. The origninal Creditor name is XXXX XXXX XXXX and the reference number is XXXX. They have been calling me non stop making very threatening calls and will not understand that both me and the director of the hospital has spoke with them and told them this bill is not owed and they need to cease and desist billing me.
|
| 01/20/2017 |
Yes |
|
- Credit monitoring or identity protection
- Billing dispute
|
|
Web |
|
|
Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.
|
| 06/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Phoenix Financial Services is attempting to recover a debt of {$2000.00} that is not mine. I have never had a contract or account with them. Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX. I'm not familiar with them either. If I have no written contract with Phoenix Financial why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. I have sent a cease and desist letter directly to Phoenix Financial disputing these charges and account about two week ago.
|
| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I first received a medical bill from PHOENIX FINANCIAL SERVICES LLC, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of XXXX services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.
|
| 08/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX sometime, I received a call from a PRIVATE NUMBER!! I answered and it was Phoenix Financial Service Collections. They said this was a LEAGL Matter! Being very scared and dealing with a husband who has XXXX I freaked out. They told me, They were collecting a debt of {$400.00}. I then said, your taking legal action against me, if I do not pay this and they said, YES! I need to pay or they would see me in court! I demanded a bill for what it was they were trying to cleat as I have NO accounting for owing any medical bills at ALL! I then said, your calling a Cell Phone without express written consent which violated TCPA. At that point he said, he had no clue he was calling a cell phone and hung up on me! I never received a bill or anything! Which is a violation of my rights under the FDCPA! And now there is a charge off on my credit! This needs to be fixed ASAP? Removed!
|
| 08/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For about 2 years ever since I got a new phone number I've been receiving calls for someone else 's debt, repeatedly I've told these companies that the number is false and to take my number off of their call list but they won't stop. I feel like someone is using their previous phone as fraudulent information to take out loans.
Most recently I've received almost daily called from this " XXXX XXXX XXXX' Phone line, when asked what their company was they said " Phoenix Financial Services ''. I've told them to stop before but they keep calling me over and over. I don't know how to report this person, but they tell me the name of the person when they call me I just don't know how to spell it. The people are very rude, and refuse to help me and keep calling. I've also asked for who exactly is using my phone and they say the name, don't spell it and try to rush me off the phone.
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.
|
| 05/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have consistently disputed owing this debt. I have sent 2 letters to Phoenix Financial Services stating this. In my first letter to them dated XXXX, I stated that while I do not acknowledge ownership of this debt I was willing to offer 150 dollars in exchange for them removing this damaging collection account from all three credit reporting agencies, XXXX, XXXX. and XXXX. They responded with a counteroffer of XXXX. I then sent them a letter dated XXXX again saying that while I was not responsible for this debt, I was willing to accept their offer. I just received a letter from them dated XXXX. They claim they have attempted to contact me and the debt remains outstanding, which is not true, and they increased the amount they were willing to accept to XXXX, while completely ignoring my request to remove this account from my credit reports. This is completely unacceptable.
|
| 08/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Recieved multiple calls to effort to collect a debt. On all calls answered I have requested a breakdown of what I am being billed for as to include date of service and original biller. On XX/XX/2018 I recieved a call from XXXX XXXX who claimed I owed {$970.00}. She refused to provide me via mail with details about the break down of what I owed and yelled I don't have to give you nothing, I explained I had been the victim of identity theft and did not feel comfortable paying that amount over the phone and want the bill so I may see if I am finacial responsible before making the payment. She continued to yell and scream stating she would report me sending the items to collection. I hung up and called the company back, it was made clear that the debt she was trying to collect was part the statue of limitations and she had no right to seek payment for the amount she demanded.
|
| 09/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
When pulling my credit, I noticed there was a medical bill showing on my credit report in which I have no knowledge of from Phoenix Financial Service ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ).
On XX/XX/2020, I sent a certified letter to Phoenix Financial Service in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, I have not received a response or documentation validating the debt in questioning.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since Phoenix Financial Service is unable to verify the accuracy of the disputed account they must promptly delete this item of information from my file. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received multiple calls and letters from Phoenix Financial Services naming the creditor as XXXX XXXX XXXX XXXX. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by Phx Fin Srv once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX pm cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2023 I received a notice on my phone that a medical debt was placed on my credit report. The debt company that placed the unfair mark on my credit report is Phoenix financial services at XXXX. The amount of the debt that was placed on my credit report is {$1600.00}, I received no notice that the company was attempting to collect this debt nor did I receive any mail of an attempt to collect this debt. This debt was placed on my credit report in violation of US credit reporting fair practices. As a consumer I deserve better treatment and courtesy before derogatory information is reported to the three credit bureaus.
I called Phoenix financial services today and informed them that I never received any notice or messages about any attempt to collect a debt. The guys said yes I'm aware of the ambulance company not notifying people.
Please advise. Thank you.
|
| 04/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My wife and I talked to the company on the phone. I asked to be sent the breakdown/proof of debt. I was sent a bill with no itemization just saying that I owe {$320.00}. I disputed this with the previous company and they then sold it to this company because it is not owed. I had state insurance in Washington at the time of this bill which the previous company told me was the case. Unless the hospital gives me something to sign acknowledging my insurance would not pay for a service I can not be charged. The hospital had to accept payment from the state as payment in full. I tried to tell this to the rep over the phone and they said they didn't know anything about this debt except the amount. This is a wrongful debt, they can not provide me with itemization. This needs to be closed completely, not reported and not sold to another agency for me to continue to dispute.
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am trying to solidify my loan for a home, however I recently discovered that I paid a debt through Pheonix Financial which was never taken off of my credit history. My loan advisor has told me to reach out to them about the issue, which I have done. Now it shows that I have two, identical accounts with Pheonix financial, one of which is paid off but now somehow the other is not, even though the accounts represent the same collection ( which was paid ). When I contacted Pheonix financial services about the issue they sent me a document to resolve the issue with my loan advisor, however the document was not in the proper verbiage. So I reached out to Pheonix financial for a third time to request a different verbiage on the document, which they informed me that it was not possible to do on their end. The account in question is regarding Phoenix Financial Acct : XXXX
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2019, Phoenix Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.
attached a debt to my credit for medicaid payed bills, amount of {$1900.00}.
i responded to them to validate the debt, with no reply and hang up phone calls, i took the matter in my own hand and received a Statement of account from XXXX XXXX XXXX XXXX stating i had a {$0.00} balance and sent it to Phoenix Financial.
Mrs XXXX called on XX/XX/2019 and stated the statement of account did not prove that i had a XXXX balance .. and that i still owed the balance to them.. " phoenix Financial '' and told me that " the validation of debt was in the mail once again! this has been going on for 3 months & 4 letter 2 faxes to Phoenix with requests to speak to a manager & no calls, No names. no return letters, and a bad mark on my credit, with no legal proof that there is a debt, Thank you XXXX XXXX
|
| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Original creditor : XXXX XXXX XXXX, amount {$800.00}. This company has been attempting to collect on a debt that is not mine. They have sold my information to two Debt collectors within one year and because of this illegal acts, they are damaging my credit report! The new company that is now damaging my credit report with all XXXX bureaus is : Phoenix Financial Servic, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Debt amount {$800.00}.
This company in business with XXXX XXXX XXXX is ILLEGALLY trading my information on a debt that is not mine!! And as a result of there illegal acts are destroying my credit report with XXXX, XXXX, and XXXX. Because of these predatory, illegal acts I am unable to be approved for anything due to the damage they are causing to my report. I want this deleted immediately and indefinitely from my report with all 3 bureaus, XXXX, XXXX, and XXXX
|
| 04/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Have sent Phoenix Financial XXXX ( XXXX ) written requests ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) in addition to the XXXX phone calls requesting VALIDATION of the accounts that they've placed on my credit report. During the call They have not responded to and have NOT provided me with ANY of the requested required documentation that I'd listed in the letters. Yet, on XX/XX/XXXX they'd contacted the credit reporting agencies, certifying the accuracy to the disputed accounts listed.
During a call on XX/XX/XXXX, I was told that it was for services in XX/XX/XXXX and that if I could not pay, just wait because it is due to be deleted in XXXX of XXXX. I then wrote the second letter and included a copy of a Police report for possible identity theft.
There were XXXX ( XXXX ) accounts. XXXX for {$100.00} and the other is for {$800.00}. for XXXX XXXX XXXX
|
| 07/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Phoenix Financial Services began contacting me about a debt that I believe has been paid to a different creditor. I have explained that I am in the process of attempting to validate this debt with the original creditor and to please stop calling me. Since then, the have have called me repeatedly, as often as 4 times in a single day or more.
When I answered to find out who they are and why they keep calling and explained that I can not verify or validate this debt the man who called me hung up on me.
I have spoken with the original creditor ( a hospital ), and they do not have a record of this debt or a record of the debt being placed with Phoenix. As I can not verify that this is a legitimate debt I will not give Phoenix any money.
They have called me from : XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018 XXXX at XXXX XXXX ( 2xs in a row ) on XX/XX/2018
|
| 06/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Phoenix Financial Services has sent me two threatening letters about a medical debt I supposedly incurred in 2015, almost eight years ago. Phoenix has failed to provide the address of the original creditor nor any verifiable evidence, such as an original bill, that the original charge was mine to pay. Further, I have confirmed with my insurance company that if the charge did belong to me, it would have paid the amount in full. However, it has no record that the creditor filed a timely claim, or indeed any claim at all for the supposed charge.
There is no evidence that the supposed debt is mine. The original creditor was apparently negligent in its failure to produce a timely bill for its services. Now eight years later, Phoenix Financial Services shares in this negligence by failing to provide appropriate and verifiable information about the supposed debt.
|
| 06/24/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Currently we have a XXXX Debt to XXXX XXXX XXXX XXXX, and paying bill monthly. Have taken debt from XXXX to {$1000.00} since XXXX 2015. I have not had any indication that my debt had been sold to a third party until today after receiving a hostile phone call from XXXX from XXXX. He said that he was filing a complaint against our credit score for not paying a debt. I told him the amount was wrong, and I have n't received a bill from the new company. He said that did n't matter, I needed to pay immediately. He also said that I had to call the Hospital to get the receipts of my payment. I told him he should have gotten the correct amount and sent me a bill explaining this new process.
I also know that if we are making payments on Medical Bills, we should not be sent to collections. He was threatening, unprofessional, and could n't even get his point across.
|
| 11/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The first correspondence I received was from the collection agency on XX/XX/2020 a letter saying second request indicating I owed an outstanding bill to XXXX XXXX XXXX XXXX XXXX which billing and collections is completed by XXXX XXXX. I explained never used that ER physician group. They told me to call the billing place of XXXX XXXX. I did call XXXX XXXX told asked them about the bill they sent to collection the address they had on the account was not mine, it was an Oklahoma address. They said they would check and get back to us. They also said due to HIPPA they counsel not provide me much information. The only address XXXX XXXX had was not mine, it was an address in Oklahoma. The bill was for services at a hospital in Oklahoma and Ive never been to the State of Oklahoma. Meanwhile the collection agency sent this bill to the credit reporting bureaus.
|
| 07/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I went to the XXXX XXXX Department. XXXX XXXX XXXX never sent this to my insurance and sent my bill straight to XXXX XXXX XXXX. I paid the bill in full and asked to have this removed from my credit, which they did on XX/XX/XXXX. In XXXX of XXXX, i repeatedly got letters from XXXX Phoenix Financial services . I submitted this and again this was taken off my credit report. On XX/XX/XXXX I was reimbursed by my insurance because I had paid the entire bill four years ago and was told by my insurance that, again, they never submitted a bill to my insurance. This has showed up on my credit report for the third time and has harmed my credit along with Phoenix Financial constantly sending me letters and collection calls. Please have them remove this from my credit asap. My credit score has dropped significantly. Thank you for your continued help.
|
| 02/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw two accounts from PHOENIX FINANCIAL SERV for XXXX XXXX XXXX XXXX XXXX in the amount of {$750.00} and for XXXX XXXX XXXX XXXX PA in the amount of {$740.00}.
I had no prior knowledge of these debts and was never contacted by the collections company or the medical facility.
I made both facilities aware that I was homeless and unemployed at the time of service and needed financial assistance.
These debts reported are a violation of my HIPAA rights as I did not receive any care from Phoenix Financial Services. The moment they accessed my records without a consent was the moment theyre violated my rights.
I also checked with XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and not locate a business Registration or status of activity for the company based in IN to do any business here. Therefore they are operating illegally.
|
| 08/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Between XXXX i was employed with my former employer i did make visit at the urgent care department at the medical center for an related pain in my right. I did provided my insurance information to them asked several time i was here to be seems by URGENT CARE I don't know really happen and within that time my employer did change their medical service provider like that to another medical service provider.When i contacted my employer the told me that the contacted the hospital and was still waiting to hear from them. I did called the hospital and told them what happen but after two to three months i received a called saying i owned fees for the urgent care service which is {$690.00}.
Moreover i did called the hospital and told them to contact my employer but i don't know if the did until i found out that the payment was place with an collector company.
|
| 10/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
First of all a female from this collection agency called my working pretending to be a friend. When I was at this place of employment we are not allowed personal phone calls. The operator sent the call through. At that time the female stated the name of the collection agency and stated I owed money from an ambulance bill in XXXX She then hung up. I recall being unemployed and did not have health insurance I was on Government Assistance in XXXX. I dont remember using an ambulance service in XXXX How does someone find a medical debt from XXXX? I am devastated by this. My credit report is very important to me. This collection agency has now lowered my credit report. This collection agency came out of nowhere and is trying to obtain over {$2000.00} from me! My credit report shows my XXXX score decreased XXXXXXXX XXXX due to this collection agency report.
|
| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level.
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
1. I can give you dates and number from which they called ; stated I owed money XX/XX/2023 XXXX caller id PFS LLC ( Phoenix Financial Services ) XX/XX/2023 XXXX caller id PFS LLC XX/XX/2023 XXXX caller id PFS LLC also called my son to convince me to pay debt XX/XX/XXXX XXXX ( twice ) caller id PFS 2. They have refused to send copy of debt, any documentation supporting debt.
3. on XX/XX/2023 they said the XXXX was down the street from my house and if I didn't pay now, I would be served and possibly arrested.
4. denied to give any information concerning the debt on phone calls 5. on XX/XX/2023 they called my son ( XXXX XXXXXXXX ) to convince me to pay the debt before they sent me to jail.
6. all phone calls were threatening, demanding immediate payment or be arrested/sued.
7. I have checked all credit bureaus and I have no active bad debt listed.
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| 03/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Emergency room visit on XX/XX/2016. Visit was mixed up with my husbands debt. My visit was never filed on insurance and I never received a bill. Over three years later, I am contacted by a collection agency for a bill Ive never known about. I contacted the provider and insurance. The insurance would have paid the debt in full, but it was never submitted. Three years later is too late to submit it. The provider had it mixed up with my husbands debt, which was paid and fought with them for over a year to prove it. One month after initial contact about a service from over three years ago, a rude representative from the collection agency files it on my credit report. The provider would have been paid in full if they filed it on my insurance in a timely manner or notified me sooner so that I could make sure it was filed on insurance, but they did not.
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| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On Monday, XX/XX/XXXX I received a letter from Phoenix Financial saying that they had been hired to collect a medical debt from me that originated in XXXX. I ignored the letter thinking it was a scam because I applied for XXXX XXXX bankruptcy relief on XX/XX/XXXX and had the bankruptcy discharged in XX/XX/XXXX. Case number XXXX.
I received notification that Phoenix Financial went ahead and reported a collections account to the credit bureau XXXX on XX/XX/XXXX in the amount of {$1300.00} with the original creditor being reported as XXXX XXXX XXXX. This was reported to XXXX with an open date of XX/XX/XXXX despite the debt originating in XXXX. All debt was discharged in the XXXX XXXX bankruptcy and this debt was not reaffirmed. This company seems to be in violation of the bankruptcy courts order of discharge by attempting to collect on this debt.
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| 03/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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This company has called me 14 times since XX/XX/2022. I have received no written communication about any debt. I don't recognize this debt or the phone number that keeps calling. I signed onto my XXXX XXXX today and saw the account on my credit as well. I have disputed the account with XXXX. This company has called me XX/XX/XXXX at XXXX EST, XX/XX/XXXX at XXXX EST, XX/XX/XXXX at both XXXX and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX EST, XX/XX/XXXX they called 4 times! : XXXX, XXXX, XXXX, and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX Per CFPB Regulation F - a debt collector may not call a consumer more than 7 times in 7 days. This debt collector is in violation of this rule and are harassing me.
Additionally, I never received a validation letter for this debt and do not recognize it.
|
| 01/23/2016 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
Servicemember |
|
I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively.
|
| 09/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX & XXXX credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX XXXX XXXX challenge XXXX XXXX XXXX XXXX with An intervention using Legal Action for a Validation Demand on all credit Bureaus.
They were required to remove them immediately.
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to Phoenix Financial Services. Phoenix entered the same debts in XXXX and XXXX XXXX.
I have discussed this with them numerous times about the Legal Action.
I have not been able to rent a place much less buy a car on credit since XXXX.
Please can u do something about it perminatly.
Thank you
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| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Phoenix Financial Services did what needed to be done. Phoenix I have sent both letters to XXXX and XXXX credit bureaus and they still haven't deleted off my report. I know you have sent them letters as well because you stated in the letters. I have sent them so many letters and still not deleted off my credit. Phoenix since you the one reported to them can you please reached out to them. I also made a complaint against XXXX case # XXXX with the Consumer Financial Protection Bureau stating they will be doing a investigation and I have to reached out to the creditors. I have reached out to them. I did and compliant against the XXXX as well with case # XXXX and doing investigation. I am attaching the letters you have sent me on XX/XX/2021. Please called or send them a demand letter to deleted this. Account numbers are XXXX, XXXX. Thank you.
|
| 09/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I went to the hospital. I received a bill for the emergency room and the Doctor. I resubmitted my insurance ( XXXX XXXX XXXX XXXX XXXX ) as I had done the day of my visit. After receiving a bill I asked why they were not sending it to my insurance company as this was a covered expense. I did not hear back for a very long time ( years ). After many forms of communications I was told that the bills would be complimentary forgiven. More time has past until I started to receive many many phone calls at my home, at work, and both of my parents home and phones. There were over 50+ calls a month on the average. I told them that the bill was forgiven, but then they became very rude. I then started to receive statements in the mail which I would respond to right away. I would tell them as I have to you, but the calls and letters have increased.
|
| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
I am lodging a formal complaint against Phoenix financial services, this debt collector has violated the fdcpa/fcra, by reporting derogatory information on my credit reports in the amount of {$240.00} for one debt, and {$500.00} for another. Phoenix financial never sent me a dunning notice, which gives me the right to dispute validity of debt within 30 days of notice. I've recieved nothing from them ever. No mail, no phone calls, nothing. Just a derogatory hit on my credit reports. This is happening at the worst time as I'm in the process of purchasing my very first home for my family and I. Now I'm being told this erroneous debt is holding me back. I am requesting immediate deletion of these accounts immediately. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time.
|
| 11/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.
|
| 07/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/2019, I received a call from Pheonix Financial. The caller stated he was calling to collect multiple debts from XXXX XXXX. I informed him that I did not have any debt with XXXX XXXX and if he could show I did, I needed them to send me it in the mail. He stated they have sent me bills. I told him, that pheonix finacial had not sent me anything verifying a debt with XXXX XXXX, and I did not owe anything to XXXX XXXX. He then told me to " check my credit report, and when I was ready to pay it, to give him a call ''. I explained again, that I did not owe anything to XXXX XXXX and again, to send me the verification in the mail. At this point he starts to yell at me and tell me he is marking the account as refusal to pay and hung up on me. They refused to verify a debt that I do not owe. I have no outstanding bills with XXXX XXXX.
|
| 01/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts.
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/XXXX a Phoenix Financial Services requested a debt be paid of {$550.00} to a medical company by the name of XXXX XXXX XXXX XXXX, which when researching online is considered a highly illegal and wrongfully created debt creditor. I spoke with the emergency room and original collector who filed a claim with my health insurance and the original claim was collected. The original account number and original creditor listed on the form from Phoenix Financial Services are incorrect and they stated that I would need to still pay out of pocket for the debt even though it had already been paid. Phoenix Financial Services is using childrens medical issues to gain monetary funds to their benefit. It is disgusting that this is happening to anyone. Let alone that there are already multiple lawsuits against said company beginning in XXXX.
|
| 08/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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The medical debts for the amounts of ( {$190.00} and {$38.00} ) they put on my credit on XX/XX/2021 were supposed to be covered by my healthcare insurance. Because when I went to the emergency room the only payment I was asked to pay was the co-pay and I was told by the emergency staff that the insurance will take care of the rest. I've already clarified this matter in multiple occasion that they should review their medical bill coding system, because my healthcare insurance stipulates that I should only be responsible for on the copay.
I explained that in multiples occasions to these debt collectors they keep putting this on my credit and messing with it. At this point, I'm seeking damage reparation on my credit. Below is their address and phone number : ( XXXX ) XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hello Im filing this complained with you today. Im not sure if I marked the correct circles. This is the debt collector name PHOENIX FINANCIAL SERV the amount is XXXX it was for XXXX XXXX XXXX. I was unaware that I owed this money I was in an accident in XXXX the XXXX was in XXXX I was under the understanding that it would all be covered by the car insurance XXXX was paid out over XXXX was paid to medical and I was never notified that I owed anything. I tired calling the XXXX billing department they were less than cooperative. I moved back home to XXXX and never thought about medical bills from that XXXX again as I stated I was not aware I owed anything. I am XXXX and XXXX living off of XXXX trying to survive. I dont understand how they can ruin my credit when they never reached out to me til almost 3 years later. Please help
|
| 01/01/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was in a car accident and had a lawyer involved who paid all my medical debt that was caused by this accident. Before the lawsuit was settled the medical bills did however go to collections. But when the debt was settled my lawyer paid the hospital and not the collection company. So this debt has been paid. I never received a bill about this debt and then all of a sudden I got a notification that my credit report had a debt collection on it which was from XXXX XXXX being collected by Phoenix Financial Services for {$1500.00} and one for a {$100.00}. These debts have been paid by my lawyer and I am no longer responsible for this debt. Also I am one who had my XXXX credit report hacked so its possible this could be a fraud attempt to get money from me. These collection debts are appearing on all three credit reporting agencies.
|
| 08/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received multiple debt collection letters via mail claiming a medical debt that I allegedly owed from PHOENIX FINANCIAL SERVICES dating back to XX/XX/XXXX. I do not owe any debt to PHOENIX FINANCIAL SERVICES or anyone they represent nor am I in any contract with them or anyone they affiliate with. I did not give PHOENIX FINANCIAL SERVICES or anyone else consent orally or in writing to obtain or share any of my personal information pursuant to 18 USC 1028. They repeatedly were in violation of my rights as a consumer pursuant to 15 USC 1692. I mailed them an Affidavit, Bill of Particulars ( Invoice ) and a Cease and Desist. I informed them that upon receipt they had 10 business days to respond with my specified remedy. PHOENIX FINANCIAL SERVICES received my notices on XX/XX/XXXX and have yet to respond as it is now XX/XX/XXXX.
|
| 07/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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I have held a debt with a financial company ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Toll-Free ( XXXX ) XXXX, www.phoenixfinancialsvcs.com, XXXX ). On one call they verbally harassed me calling me an " XXXX ''. They have also called at least over ten if not fifteen times asking for someone named XXXX. After verbal altercations with this company I started receiving more unusual calls and texts even after midnight. I also believe they have distributed my information to other telemarketers and companies such as an " auto insurance '' company that has not disclosed their actual company name to me after repeatedly asking for their company name to live Representatives. I have provided my insurance information to settle the debt and registered with the do not call registry, but repeated calls and texts continue.
|
| 06/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The information below showed up on my credit report and I have never been notified of any debt owed to any medical provider ever. I had a large emergency visit bill for {$3600.00} that I worked with the medical provider to pay off ( XXXX XXXXXXXX ) and I have paid {$2600.00} of the balance to date. I have no idea where this expense came from and have an impeccable record of paying all of my bills in full and on time.
Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$430.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
|
| 05/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I checked my credit today and out of nowhere theres a collection from these people that I have never heard of and who I do not owe or have a contract with. Im XXXX because they have the wrong person here. Also they are violating the FDCPA because even though I have no knowledge of this company they supposed to notify anyone within 5 days by mail a written notice with the amount of money they claim you owe and the name of the original creditor that I also dont know as well I have not received anything from this company to my understanding this is identity theft and I am seeking litigation because this has sent me into XXXX. also, I will be suing in small claims court and they will definitely have to travel to represent themselves they have violated my consumer rights as well. I demand they remove this false item expeditiously.
|
| 08/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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|
I started receiving phone calls and letters regarding a debt from XX/XX/2016 just a couple of months ago. I wrote to them asking for confirmation of the debt and they sent me information from another collection agency that I had never received anything from rather than from the medical facility they were supposedly collecting on behalf of. I pay my medical bills and they just want me to take their word that I owe {$38.00}. I know it is a small amount but why did it take four years before I was contacted regarding this supposed overdue amount. They sent me letters and made repeated phone calls to me asking for my credit card number. I told them that I would not pay a debt that I did not believe I owed that took four years to contact me about. They even reported it on my credit report. It just appeared about two months ago.
|
| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services entered an erroneous collection on my Credit Report on XX/XX/XXXX. I believe this was an old medical bill for my son from XXXX. It was incorrectly submitted to insurance company for procedure not performed. This matter was resolved by the original creditor back in XXXX.
I contacted Phoenix by mail on XX/XX/XXXX. I emailed Phoenix on XX/XX/XXXX. I filed a claim with the Indiana XXXX on XX/XX/XXXX. Phoenix responded " A verification of debt was requested and will be mailed to consumers verified address once it has been received. '' I have not received any correspondence from Phoenix, written or via email.
Attempted to file a dispute with XXXX but there is a glitch with their online dispute program and I repeatedly get an error message.
I would like this collection removed from my credit report.
|
| 10/21/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately.
Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERV is damaging my credit. The medical debt I believe was a hospital bill through XXXX XXXX over 5 years ago. The debt is very old, however, this agency keeps renewing the every few months to bring down my credit as if the debt is new. I want this debt removed as it has already been placed on my credit before. They just placed on my credit again in XXXX and now XXXX. Everytime they do this, it brings my credit down XXXX pts. I called the hospital and asked for a itemized breakdown of the services to support these charges of over XXXX. I never received it. I also had insurance in 2018. Which if these charges are valid, should have been billed to them. I want this debt removed, provide proof of debt of services in itemized breakdown, listing each cost they charged for as it was requested and never sent.
|
| 02/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received an notice from Phoenix Financial Services that I owe {$46.00} for an unpaid medical bill from XXXX XXXX XXXX XXXX for services provided on XX/XX/XXXX. I called XXXX XXXX XXXX ( location where all services were rendered and the organization that billed for the services performed by XXXX XXXX XXXX XXXX ) and they notified me that the amount I was responsible for, {$210.00}, covered all expenses by all parties and was paid in full in a timely manner. Upon receiving copies of these letters I sent Phoenix Financial Services copies of the billing proving I have no outstanding balance. They received and signed for the letter sent by USPS Certified mail on XX/XX/XXXX. On XX/XX/XXXX I received a second notice saying I still owe them the {$46.00}, but I can reduce that amount to {$18.00} if I pay now.
|
| 05/10/2017 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My XXXX XXXX XXXX son died on XXXX 's XXXX last year. Phoenix Financial LLC Keep s calling my personal cell phone to collect a debt that my dead son owes. I have repeatedly asked them to stop calling me, that XXXX is dead and it is extreamly upsetting to be reminded of his death every time they call. Also, when they call asking for him, I ask who they are and they wo n't tell me, but it 's the same number every time. I had to call back after they kept hanging up on me after inquiring their information. I finally got their name and address. This is not my bill. My son was XXXX XXXX XXXX and had XXXX XXXX . He had many financial problems due to his XXXX . He died at home on hospice in my arms. I suffer from XXXX because of his traumatic death. Please, please make them stop harassing me.
|
| 04/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services placed two accounts on my credit report. They also sent a letter to my house indicating that the statue of limitation had past and that these accounts were too old to collect thus making them time barred. I disputed both of these on my credit reports. On XX/XX/2021 these were removed. However, on XX/XX/2021 I received a letter stating that the law limits how long you can be sued on a debt. Because of the age of your debt, you can not be sued for it. On XX/XX/2021 it then placed back on there. These debts were duplicates with the same amounts. My rights were violated under the FCRA due to this items being deleted then put back on my account. This company has parked these debts on my credit report and therefore it has caused my credit to go down. The balances are {$11000.00} and {$430.00}.
|
| 01/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I had been contacted by a company called Phoenix Financial Services LLC whom informed me that they bought my debt from XXXX XXXX XXXX XXXX XXXX. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked Phoenix Financial Services LLC. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received a text message today from a company telling me I have debt and to follow a suspicious link on the text. It doesn't state what the debt is for or how much. I check my credit report and they reported me to collections for XXXX. I have no idea who this company is or what the debt is in reference to. I have not received any mail, emails, voicemails from them previously and this is the first time I am hearing from them now. the audacity to put a claim of collections on my credit report having not contacted me or provided me a statement about the debt incurred or even the bare minimum needed to confirm the debt is poor practice unless of course they scam folks. Again in a previous complaint I have checked my accounts I pay all my bills on time. The only known debt are 2 credit cards, a mortgage, and my car.
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
PHOENIX FINANCIAL SERV at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report.
In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : PHOENIX FINANCIAL SERV, and PHOENIX FINANCIAL SERVICES, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
|
| 10/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.
|
| 04/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
phoeniix financial services has falsely been trying to collect this in 2019 it was determined this is a false demand again reference number XXXX action taken closed XX/XX/2019 your company 's number also XXXX, this has been paid and this debt is not owed, paid by insurance company, this is a false attempt again by this company, furher more XXXX has falsely stated this is true, it is not true, this company phoenix has stated they owned the debt from another attorney the last time mis representation again, this should be illegal.
PLEASE ASK THEM WHAT METHOD THEY USED AND PROOF THEY USED. WHEN WAS THE ACCOUNT IN QUESTION OPENED AND WHEN WAS IT CLOSED. AS WHAT INSURANCE I HAD THAT PAID THIS ACCOUNT WHAT ARE THE TERMS SHOW PROOF OF ORIGINAL COMPANY BILL, NOT A MADE UP ONE BY THIS COMPANY please investigate fully
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 02/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello this Hospital bill was paid back in XXXX. This debt was sent to me with threats we will ruin your credit calls etc. I thought it was a complete scam. All my Hospital bills from my XXXX Hospital visit have been paid. This is a complete scam. I have NO collections aside from this incorrect item for {$1500.00}. They have told me they will delete it for {$500.00}. Why should I pay a bill I have never seen from XXXX in XXXX? There is something very odd and unethical here. I have requested the original bill that outlines this amount and to date not been given the info. Phoenix Finincial is the name of the company. Please look into this as I am a Tax paying American and your company is supposed to investigate these situations. I appreciate your efforts this is the only collection item on my impeccable credit.
|
| 03/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They are trying to collect on a receivable they bought from XXXX XXXX XXXX XXXX XXXX XXXX ) for a charge back in XX/XX/XXXX. We paid an amount ( around {$170.00} ) that was not covered by insurance back in XXXX. All of sudden an additional amount is being billed ( original letter is dated XX/XX/XXXX ) to us in XXXX by Phoenix Financial ( collection agency ) for XXXX XXXX XXXX XXXX. All they have is an entry on their books that says we owe with no explanations. And all they can say is we owe it, and IT will hurt our credit until it is paid ( {$220.00} ).
They don't even try to give us suggestions on how to follow up this. This is not right and I feel we are just being bullied into paying something that we don't believe we don't owe. And we never got a bill for this additional amount that supposedly we owe.
|
| 01/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services placed an old time-barred medical debt on my XXXX credit report on XX/XX/2020 that had already been removed from my credit report because of the age of the debt after I had disputed it. It had previously been placed for collection through XXXX XXXX XXXX of which I have documentation of the account being removed from my credit report. I had not received any written notice by mail or otherwise about the debt or that they had bought this old debt. There have been multiple complaints against the company for the same devious business practices, and I am going to file complaints with every available government consumer agency and the California Attorney General 's office. They have now today placed the collection on my XXXX credit report. These need to be removed. This is ILLEGAL.
|
| 03/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Contacted XX/XX/XXXX will bills for 2 dates of service stating : You owe XXXX.
If you contact prior to XX/XX/XXXX we will cease collection on your account.
I mailed a letter disputing these charges and validation specifics. on XX/XX/XXXX I have gotten no response.
I was reported to XXXX for unpaid collections on XX/XX/XXXX for these bills from XXXX. Prior to the given experation I contacted via web a week later, nothing.
However I was involved in a data breach in XXXX by health insurance which provides all of this data.
I confirmed with XXXX XXXX, I have nothing outstanding. Furthermore they have no bills for one of the dates and the other was paid.
Im a medi-medi, so what they are doing is againt so many laws in CA XXXX XXXX=Phoenix Financial Same agency Not licensed to collect debt in CA.
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i am lodging a formal complaint against phoenix financial services. this debt collector has reported derogatory info on my credit reports in the amount of {$1100.00} for a debt that isnt mine. this derogatory account just popped up on my credit reports with no dunning notice from phoenix, which is a violation of the fdcpa/fcra. debt collectors must send notice which then gives me 30 days to dispute validity. I have never recieved anything from phoenix financial. i am in the process of purchasing my very first home for my family and i.now my realtor is telling me this errounous account is holding me back. i am requesting immediate deletion of account from my credit reports. better business bureau, and attorney general complkaints will be filed next if this account isnt deleted. thank you for your time!
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was contacted by a ( XXXX ) area code number which caller ID identified as coming from New Jersey. I had already found this suspicious as ( XXXX ) is a California area code. When I answered the phone I spoke to a male who claimed he was from Phoenix Financial Services. Again, strange as the actual financial services uses a ( XXXX ) telephone number. Was told I owed some unspecified amount to an ambulance company and when I pressed for more information I was asked to verify my date of birth. The man on the phone then said what he gathered was my birthday and asked me to confirm. I refused to acknowledge and told him I would not provide any information unless he tells me what this amount is related to. He once again tried to pressure me to confirming my DOB which I then told him to go away and hung up.
|
| 05/07/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am disputing this bill from a collection agency. I mailed the collection agency this dispute 6 months ago but of course had no response. I was told this debt was bought from the doctors office so I could no longer dispute it. My daughter visited the ER XXXX XXXX 2011. The ER doctor who never touched my daughters XXXX XXXX just ordered a XXXX and XXXX consult. I paid ER doctors bill for visit and ER charges but he had a separate procedure code for resetting her XXXX XXXX. I refused to pay this because I paid the orthopedic doctors bill for the same procedure and like I said the XXXX XXXX never touched her arm. I disputed this in writing to the physician 's office but never heard back. This was a gross example of fraudulent billing. I was billed for a procedure that was never performed by the doctor.
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company PHOENIX FINANCIAL SERVIC doesnt have any information about me social security number, date of birth, they not even have my name, they trying to collect money from someone named XXXX XXXX and thats not my name, this is a hospital bill and I never was in any hospital never in my life, never used any medical service and I never was sick of anything, so I dont know who this people are, they dont have any information about me and I never sign any paper, I dont know who they are, they keep reporting to the credit report that I have a debt but thats false information I am the wrong person, I called them and dispute the account many times and I get the account erased but they keep reporting and the last time equifax and transunion erased the false info but XXXX did not And now I am frustrated
|
| 06/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a credit alert stating I had new delinquency reported by phoenix financial as a new debt and delinquency. The amount was for {$500.00} and was originally opened in XX/XX/XXXX. I didn't know who the company was or what the debt was. I contacted the company and spoke to rep who told me the debt was a medical bill from XXXX. I ask him why they reported the debt as a new debt that was 120 delinquent and he had no answers. The only thing he keep saying was I could pay it and they'd stop reporting it. My understanding is that a debt acquired by an agency couldn't then be " renewed '' as a debt that just recently happened. If they would have reported the debt as originating in XXXX I would have no issue but I feel they are doing this to try to pressure me into paying an old debt.
|
| 10/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving calls from Phoenix Financial Services, with the most recent being XX/XX/2019. When they call, now their number is showing up as " account services '' on caller ID. Seems like a form of entrapment. When I answer, they ask if they are speaking to ( my name ) and they do not disclose who they are unless I ask. I will then ask what they are calling in regards to, at which point they will not tell me unless they know they are speaking with ( my name ). Now, I have received calls from other debt collection agencies in the past who upon answering state who they are and why they are calling. Phoenix Financial seems like they are being deceptive and not forthcoming about their intentions, they do not even disclose that they are a debt collector. I had to look them up to find that out.
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a call from XXXX with Pheonix Financial Services. He provided me with my last four of social and child 's name. Stated I owe {$460.00} to XXXX XXXX for a ER visit on XX/XX/2015. I informed the man that my child was never seen by XXXX ER on that date and that I have recently spoke with XXXX ER who confirmed I did not owe that amount and was never seen on that date. He responded, " I am not here to argue with you ''. I let him know that I understood but, he is attempting to collect a false debt. He became very rude and told me I just need to pay. I told him I would look into this and if I felt I owe I would call him back he said that is fine you can ask for XXXX at XXXX. A few days after receiving that call I received a letter from them stating I owe {$460.00} with no information included.
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.
|
| 01/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
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
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 01/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as there were 2 accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
|
| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial Services has failed to provide legally required validation of an alleged debt within 30 days. The request of validation was received by Phoenix Financial Services on XX/XX/XXXX. This request was sent to them as a written request through USPS with delivery tracking and confirmation. Phoenix Financial Services has failed to respond in any way. In addition, they are incorrectly reporting dates on this alleged debt. They state this account opened in XX/XX/XXXX and are reporting this to the credit bureaus XXXX and XXXX. No such accounts could have come from me anytime in the last 5 or 6 years. I was denied credit due to this erroneous reporting due to this recent delinquent account. If this alleged debt is legitimate, they are required to report the original date of delinquency.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX COLLECTION SVCS ( Original Creditor : XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 04/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one new collection account showed up on my credit report, an alleged collection name PHOENIX FINANCIAL SERVICES, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from the 3 BUREUAS CREDIT REPORT.
|
| 01/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My name is XXXX XXXX.. A company called Phoenix Finacial services has reported somewhere around 15 old medical bills as new debt delinquency on my credit report when all of these bills are from XXXX and XXXX..My credit dropped nearly 100 points! I tried contacting them and they were nothing but rude and XXXXXXXX My next step is to file a law suit.. These r the amounts and dates.. {$1200.00} XX/XX/XXXX. XXXX {$1300.00} XX/XX/XXXX XXXX.. {$1300.00} XX/XX/XXXX XXXX.. {$270.00} XX/XX/XXXX XXXX.. {$1200.00} XX/XX/XXXX. {$320.00} XX/XX/XXXX XXXX.. {$1100.00} XX/XX/XXXX. {$280.00} XX/XX/XXXX XXXX.. {$460.00} XX/XX/XXXX XXXX.. XXXX XX/XX/XXXX XXXX.. & XXXX XX/XX/XXXX XXXX.. {$1200.00} XXXX.. Some are even on there twice! My # is XXXX if anything else is needed.. What they are doing is elegal!!
|
| 06/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed.
Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.
|
| 09/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter of debt collection for services in a hospital that was not mine. I tried disputing with the credit bureau reporting the collection but to no avail. I attempted to dispute the debt again with substantiating documents proving that the debt was not mine. Still, I was unable to dispute the data because of the reporting agency 's website error. On XX/XX/2023, I sent both debt collectors validation inquiries and have not received a follow-up. The original letter I received had a name that was not mine and was for a hospital visit I never made. I contacted XXXX to verify that they were not billed or have a claim for a visit, and they concurred that there is no record of a visit utilizing my benefits number. This is greatly and negatively affecting my credit and my job.
|
| 01/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
|
| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Phoenix Financial reported an account on my credit report on XX/XX/2021. I had not received any documents from this company before they reported this account on my credit report. This is against the law! The company sent a settlement letter to me dated XX/XX/2021. See both attachments. You will see the date the account was reported on my credit report and you will see the date of the settlement letter, which is after the account was reported on my credit report. Again, this is against the law. A COMPANY CAN NOT REPORT AN ACCOUNT ON MY CREDIT REPORT WITHOUT FIRST SENDING A LETTER ADVISING OF THE ACCOUNT AND GIVING A XXXX DAY PERIOD TO REQUEST VALIDATION. PHOENIX FINANCIAL DID NOT PROVIDE THIS LETTER THAT IS REQUIRED BY LAW BEFORE THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial Service and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ Medical Facility ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
|
| 05/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX called me about a XXXX collection debt in XX/XX/2018 for {$1100.00}. I requested a validation letter with documents from original creditor to which they only sent a statement from their company. I have no proof this is mine or accurate and they are reporting a collection on my credit report. When I call to obtain verifiable debt documentation they refuse to provide anything and as of today said they weren't allowed to since I filed a dispute. However, XXXX closed my dispute as accurate without obtaining any real proof advising me to file a complaint with FTC. All my accounts are current and paid on a timely manner. I have also tried to contact the original creditor, XXXX XXXX XXXX to which they have no record when providing my name, account number and amount.
|
| 09/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 03/20/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This debt collector has reported information to creditor bureau that I owe a debt. However I was never notified of the debt. I discovered the debt via reporting of my credit report. I then contacted the creditor bureau and the debt collector via several methods ( including certified mail ) to notify them that I have disputed the debt and request validation of the debt. However as of today despite my attempts I have received no notification of the debt and the collection agency has violated my rights by failing to provide me with validation of the debt or at the very minimal notifying the creditor bureaus of the dispute. As of date this collection was never placed in dispute despite my many attempts. The collection agency is ignoring my requesting and refusal of my rights.
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
In XXXX, 2022, a company called Phoenix Financial Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana XXXX, Phone number ( XXXX ) XXXX for reasons unknown, filed a derogatory credit on me, with the XXXX XXXX XXXX XXXX that I owe them {$380.00}, thereby lowering my credit score by XXXX points.
Unfortunately, I don't know this company ; I have never heard of this company and I have never received any correspondence whatsoever, from this company. According to this company, the original creditor was a company called " APP Sugarland. '' Unfortunately, there is no company in XXXX, Texas Called " APP Sugarland. '' I believe, Phoenix Financial XXXX, located in XXXX, XXXX is a fraudulent company attempting to collect funds from innocent victims without their knowledge.
|
| 06/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The XXXX website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES on XXXX / XXXX / 2017 for the amount of {$870.00}. The original creditor of this collection is stated as, " XXXX XXXX XXXX XXXX XXXX ''. I have submitted a direct dispute on XXXX / XXXX / 2017 through XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On XXXX / XXXX / 2017 , XXXX said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.
|
| 12/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hello, my name is XXXX XXXX. I currently have a balance open in collections due to a medical bill that should have been covered by my insurance in 2017 of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX. The last reported creditor is Phoenix Financial Servic. I have not once received a letter stating that I could dispute this open balance. The total open balance is {$1300.00}.
I currently am unable to provide payment and this has made a detrimental impact on my credit score. Being XXXX XXXX XXXX, this debt in collections is making it extremely hard to continue building my credit.
I request the current open balance in collections from Phoenix Financial Servic to be disputed and removed from my credit history.
Thank you for your time.
Best, XXXX XXXX
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I am asking to be removed from my credit reports, because they received my personal information fraudulently. They received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Most companies find the last 4 S.S.N. numbers, and full legal name is precise enough information to locate a person in your database. I am not comfortable giving you information that you fraudulently obtain from a company. That suppose to protect my personal information under U. S. Code 15 Commence and Trade 6801. If I am not in your database, then you fraudulently reported me to the consumer report.
|
| 03/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Today at work, along with yesterday I received a phone call at XXXX XXXX - forwarded it to a queue because I did not know the number and it is my work number, then again right away at XXXX XXXX called right back, did the same thing as I was on the phone, this is NOT the first time they have done this, and it has been reported before, also I have before told them NOT to call me at work and they still do over and over. Also when pulling my call history up, I realized that they called me at XXXX XXXX this morning as well. Which they can not call your POE more than once per day. This is harassment as I myself am a collector and know that they can not hang up and call right back and that each call can be worth to up to {$1000.00} if I were to go legal against them.
|
| 08/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently saw on my credit report that I owe XXXX XXXX XXXX XXXX {$1200.00} for medical bills. However I received a letter from Phoenix Financial Services LLC on XX/XX/XXXX saying I owe {$1200.00} to XXXX XXXX XXXX XXXX. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.
|
| 01/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt collector Phoenix Financial Services keep accessing my credit. XXXX and XXXX they did the same thing for some bill in Florida. I already advised them multiple times that it's ID theft. I dispute the debt. They are fraudulent practice. I live in the XXXX XXXX XXXX and they don't have a business license. Any information sent to the credit reporting agencies will result in a lawsuit. Before, I asked for the bill statement, the medical provider information, did they send to health insurance and auto insurance companies.
I want to know the creditor name, if the account is time barring, the age of the account, reporting information, amount on the account. Removed all information of credit reporting agencies.
Remember : I dispute the entire balance.
|
| 09/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety.I have no knowledge of this company or alleged debt. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent a third party debt validation letter to Phoenix Financial Service, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00}, which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Phoenix Financial Service has failed to validate this alleged debt within the 30 day allotted time frame pursuant to 15 U.S.C section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports, which is a violation pursuant to 15 U.S.C. section 1681b.
|
| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collections letter for a 6 year old medical debt. Besides being right at the statue of limitations for collections in Ohio the bill is a billing error on behalf XXXX XXXX provider XXXX XXXX XXXX. I have confirmed with my insurance carrier, XXXX XXXX, the the physician never billed my insurance. Upon calling XXXX hospital billing to rectify this, I was informed that XXXX doctors perform their own billing. I am not responsible for this billing error. The physician can not provide any statements proving they billed my insurer and therefore are attempting to collect from me to cover their error. I was also advised in writing, by the collection agency, that consumer reporting agencies have been notified of this collection and ruining my good credit.
|
| 01/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe any of these depts. The the last two months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, these dept collection agencies keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. These collection agencies keep call me every month, and they spelled out the name and date of birth which were clearly not mine.
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.
These are the XXXX collection companies the file delinguents on my credit reports every month : PHOENIX FINANCIAL SERVICES, XXXX XXXX XXXX
|
| 03/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Pheonix Financial Services LLC, on behalf of XXXX XXXX XXXX XXXX contacted me XX/XX/XXXX about a medical debt from XXXX XXXXXXXX XXXX from XX/XX/XXXX in the amount of {$1700.00}. Asking for debt verification they sent a bare invoice with misspelt name and no original creditor information beyond it being XXXX XXXX XXXX. They have no proof of this debt and the medical care I received at the time was put through insurance and paid. They have information that should not have been provided according to HIPAA. An analysis of all three parties involved on XXXX XXXX XXXX shows this is chronic illegal behavior. They bought data from a breach and threaten and harass people instead of going through court or any legal method that would require them to prove the debt.
|
| 05/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my credit report for this first time and I discovered I had someone use my identity to get medical services in the state of Alabama and Texas. I have never in my life been to either state or lived there, went to school etc. I called them and said it was not me they say its nothing they can do because the debt is in my name. How is that possible? I filed a ID Theft Affidavit from the government website. Now they are saying Im still the one who did this but its impossible. I am only XXXX years old I live in Minnesota and Im about to graduate from college. I have no reason to not pay my medical bills because Im still insured under my parents. There are 2 bills with this company Phoenix Financial Services and they are causing me bad credit ratings.
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Financial SE added this debt while under dispute with XXXX. Through XXXX XXXX XXXX. They are showing a new collector on my report. This is contradicting information 2 debt collectors are attempting to collect the same bill. There must be a law making this matter incorrect, illegal, and fraudulent. I have provided information regarding medical conditions and proof of insurance. This account is being tossed around by collection agencies. I have not received a reply from the previous collection agency and no communications from Phoenix Financial SE. This is causing continuous stress in this matter which is taking effect on my mental and physical health. I have not signed consent and I have contested this inaccurate amount with no feedback thus far.
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My husband received a phone call today XXXX/XXXX/XXXX that was supposedly from Phoenix financial services. Though the number that called him isn't even a phone number listed anywhere on their websites as a way to contact them. They spoke to him about my personal information regarding supposed debt. They told him I owed a XXXX dollars, but that they would settle for XXXX. They told him they have called me multiple times and they they've been told repeatedly that they have the wrong number. I have not received and calls or any mail about any debt owed to phoenix financial. He spoke to them a second time today and they tried to get more information out of him. When my husband started asking them questions they got flustered and stumbled over their words.
|
| 07/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.
|
| 02/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reviewed credit report on XX/XX/23 and saw collections on XXXX report for Phoenix Financial Services. I called Phoenix Financial Services on 2/13XX/XX/23 and was told that this is a collections company collecting a medical debt of {$120.00} for XXXX XXXX XXXX XXXX XXXX, Texas. It is listed as a collections on my credit report and not as medical debt. I had no previous knowledge of this debt. The last visit that I did have at this hospital the amount owed was paid in full and that amount was {$170.00}, in which I have a receipt for. I was told by a representative on XX/XX/23 that if debt was paid this would come off my credit report. I filed a dispute on XXXX because I need this removed from my credit report because this information is not true.
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Phoenix Financial Services has placed a collection on my report in the amount of {$350.00} for a medical debt which is not valid, does not belong to me, but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Phoenix Financial Services. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.
|
| 05/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
This debt was place on my credit report on XX/XX/2019. The amount was for {$430.00}. The collection agency was Phoenix Financial Services. I contacted this company on XX/XX/2019 and XX/XX/2019 about not opening this account and could they send me proof that I open this account. As of yet I have not received anything. This account was sold to them by XXXX XXXX XXXX. I file a dispute with XXXX and was told the information was accurate. I disagree with the result and how they came to this conclusion. How much investigating did they do? Did they see the proof that the company provided? What about proof that this account was open via computer with no signature to verity the authenticity? And how did they come to this conclusion in such a short time?
|
| 08/22/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Dear Sirs, I received a letter from a debt collector stating that I owed {$1200.00} for an emergency room visit. I sent a letter requesting further information which included all the elements in the template provided by the CFPB. The response that I received did not provide me with all the answers that I requested and further was ambiguous regarding whether I owed any money and why. My only recollection of this potential debt is that it may be for an XXXX visit at XXXX XXXX medical Center however I was fully insured at the time and further paid the {$250.00} copay that was required of me at the time. I do not understand why more than 2 years later, I am requested to pay a debt that if valid was supposed to be paid by the medical insurance plan.
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After auditing my credit reports, I discovered that Phoenix Financial Services is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with XXXX XXXX XXXX, never done any business with Phoenix Financial Services, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports.
Account : XXXX Amount : {$260.00} " open date '' reporting : XX/XX/2020 XXXX
|
| 02/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
Im being pursued by Phoenix Financial for {$690.00} Creditor XXXX XXXX XXXX XXXX XXXX XXXX originated in Texas - XXXX after ( XXXX ) years This debt rolled off my credit report XX/XX/XXXX and then XXXX passed-off the debt to Phoenix Financial Service to continue hot pursuit.
XXXX REMOVED XXXX unfair reporting and deleted them from my credit file because they were entering derogatory remarks TWICE per month? Now XXXX unscrupulous service has passed dead debt on to Phoenix Financial to continue with unfair reporting practices.
Dear CFPB, Im contacting YOU as their big brother, please drown this alligator once and for all and lay this debt to rest with prejudice. I'd also like to file a formal complaint against XXXX for harassment.
Sincerely,
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services has been repeatedly harassing me with consistent unwanted phone calls in order to try to collect on a debt that I do not owe. They use different phone numbers.
I have written them on XX/XX/2021 to cease and desist these unwanted phone calls, but they have refused to do so.
They sent me a letter on XX/XX/2021 stating that they are in receipt of my letter and asking that for an account number. I have no account number to give them.
Recently, using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX Wednesday, XX/XX/2021 at XXXX XXXX Using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX Using the phone number XXXX, they called on : Wednesday, XX/XX/2021 at XXXX XXXX
|
| 08/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed and had removed from my credit a collection by XXXX XXXX originally from XXXX XXXX XXXX XXXX due to the debt not being mine. Now it appears XXXX has sold this collection to Phoenix and they have put this debt back on my credit reports. I do not owe this debt, I was not the person that required treatment, I was not present at time medical assistance was given. The person to whom medical assistance was given was a legal adult at time of service and was not enrolled in post secondary education. I did not have insurance on the person to whom this debt belongs.
I also disputed this debt on this site and received a letter from the collection agency that I will upload stating that the debt will not be attempted to collect again on me.
|
| 07/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
Tired of being harassed and having credit take a hit for something i already paid.
|
| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was recently alerted to an account in collections to the sum of {$5000.00} ( est. ) that is not mine. In XX/XX/2020 I had the XXXX and went to the ER for XXXX and was released within a few hours. I received a bill of {$1200.00} after insurance coverage and paid it promptly. I never received any other bill but received scam-like calls asking for random and different amounts owed that were unprofessional and did not seem credible. Ive also received text messages and mail saying Ive been enrolled in a XXXX XXXX XXXXXXXX XXXX ( XXXX ), and Ive absolutely am not in school for anything medical related, nor any other type of schooling. I believe my information was compromised during that visit to the ER and believe this debt is Fraud-related.
|
| 05/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a negative collection notice on my credit report from Phoenix Financial Services attempting to collect a debt for XXXX XXXX XXXX XXXX for a delinquency on XX/XX/2018. I researched in my calendar for any medical appointments for XX/XX/2018. I did not have any medical appointments during that time period. I am a retired military XXXX and I am covered by XXXX insurance. I would not have a medical bill. Phoenix Financial Services is a company that is known for scamming people with be guilty of all known scams. I filed a dispute through the credit agencies and they have sided with Phoenix Financial Services, even though, PFS, have no documentation to back the claim. At least is wasn't presented in the dispute.
Thank you, XXXX XXXX
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services is reporting a debt not owed by me for medical debt. I havent been to, seen, or been associated with any kind of medical location ( hospital, clinic, etc ) in the time frame being reported. Originally reported XX/XX/2021, disputed twice through credit bureaus, since company is unable to provide any information related to the original merchant ( account number, name of vendor, date of visit, etc ) was removed but Phoenix placed back on file XX/XX/2021.
Since the company has been unable to provide any details about the supposed debt owed and continues to put debt on credit file, filing complaint to have government agency review collection agency and its malicious tactics of trying to collect fraudulent debt.
|
| 04/07/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I wrote to Phoenix Financial Service regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1900.00} and mailed it by certified delivery via USPS. Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files.
Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
|
| 02/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company, Phoenix Financial Services, has harassed me by multiple phone calls despite asking them to contact me via USPS mail, they have used vulgar and disgusting language and they call my relatives relentlessly. They will not tell me what the debt is allegedly for unless I confirm my personal information with them, however I will not do that as I do not know who they are or if they are a real entity.
Recent calls : XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX, XXXX, XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX ( 2 calls in the same minute ) XX/XX/2020 @ XXXX There are more calls, however I cleared my call history and the above are the only ones I did not delete. Their " employee 's '' are rude, nasty, yell at you and use vulgar language.
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Phoenix Financial Services out of XXXX apparently bought an old collection account for {$660.00}, that I disputed in XXXX, from XXXX XXXX XXXX The original bill was an error, my health insurance wasn't used from what I gathered, for an ER visit. The date the original collection was opened was XX/XX/XXXX. The balance was updated XX/XX/XXXX, set to be on record until XX/XX/XXXX.
XX/XX/XXXX of this year, XXXX, Phoenix reported they have opened a collection account for emergency services for {$660.00}.
This is re-aging. It's incorrect reporting of debt to the credit reporting agencies. It's the same bill from XXXX.
It has made my credit score decline unnecessarily after I've worked so hard to increase it over the last few years.
|
| 03/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I noticed a collection account on my credit report. I immediately contact the collection agency they provided me the info to original creditor, However when I contacted the original creditor the company does not exist and they do not answer. The collection agency did not provide more details.
This is a false debt I never received any service on the mentioned dates nor do I owe any medical bills or had any business with the original creditors. I never received any bills or invoices demanding payment never been contacted. I only got to know this through randomly checking my credit report for XXXX.
Therefore I report fraud on my identity and I request to remove this false collection account from my credit report.
|
| 01/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was about to apply to rent a new home, and I noticed a new collection on my credit report ( I have XXXX XXXX with XXXX XXXX, so I check it monthly since it is free ). I didn't recognize the amount, so I called the company Monday ( XX/XX/XXXX ) to find out who they were and what this bill was for. I have a medical debt from XXXX of XXXX that was sold to Phoenix Financial Services in XXXX of XXXX. They have re-aged this debt ; it should come off of my credit this XXXX, but the representative told me that it will now show up on my credit until XXXX of XXXX unless I pay them. I believe this is a violation of FCRA 623 ( a ) ( 5 ) ( A ). I do not have the name of the man I spoke with, but the number to the company is ( XXXX ) XXXX
|
| 12/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under Phoenix Financial Services.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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First lets start off with me disputing this account with the credit bureaus. Time after time Phoenix Financial verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Phoenix Financial. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account.
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
|
| 12/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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Credit bureau posted a debt in the amount of {$1300.00} with XXXX XXXX. It was determined that this debt was paid in full by the health insurance company. The debt was then deleted from my credit report XX/XX/XXXX. XX/XX/XXXX another credit bureau bought the debt and sent another notice to pay. After a conversation with the new collection agency i was asked to provide proof that this debt was paid by the insurance company. I faxed this information over to the collection agency. They failed to resolve this issue in full causing me to miss loan opportunities. This is against the fair debt act reporting laws. Please resolve this issue and provide me with the necessary information needed to remove this from my credit report.
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| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX XXXX, 2020, PHOENIX FINANCIAL SERVIC add a derogatory mark on my credit reports. PHOENIX FINANCIAL SERVIC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
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| 10/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
My son went to the hospital ER for a injury, he's a Jr and a adult at the time of the visit. Some how the hospital used his birthday and my social security number and now a collection company called PHOENIX FINANCIAL SERVICES LLC has been putting the bill on my credit report despite my effort of contacting them and them agreeing to remove it because the social security number and birthdate is not a match. Also during the time this was created I had medical insurance through XXXX that covered me 100 % ( Care Source ) This is not my bill and I have been dealing with this for years and I'm not getting no where. They took it off once but now the posted it again. I even disputed through all three credit reporting agencies.
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| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have been disputing this account for some time now with PHOENIX FINANCIAL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company called me three times successively in less than 5 minutes, from XXXX, they hung up on me the first two times.
Company identified themselves as Phoenix Financial Services and said I owed money that I do not believe I do. I told the person on the phone that the only medical debt I can think fo had been handled by my attorney XXXX XXXX. He told me that he is not responsible to contact my attorney and that it's my credit that is being damaged. I asked if he was threatening to damage my credit? He said it's not a threat if does harm my crdsit. He told me if I ever want to fix my credit I have to call him. I told him not to call my cell phone any more and he said it's my fault because I gave it out to someone.
|
| 10/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I noticed a new debt on my credit file from PHOENIX FINANCIAL SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for a medical debt. When I called on XX/XX/XXXX, they stated it was for an ER doctor dating back to XX/XX/XXXX! I asked for an exact hospital info but I was told that it would be mailed to me. As of today 's date I have not received anything. I contacted them again, but still no help and I was told it will take up to 60 days to get the letter. In the meantime, I am stuck with this on my credit file without being able to resolve the matter. I am a XXXX vet and have had medical coverage for many years, I would have reported this to any hospital or doctor I visited, but I can not call anyone about it.
|
| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING.
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however Phoenix Financial Services has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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Phoenix Financial Services was made aware that the account that their company held under my social security number with an account in the amount of {$1800.00} were a result of identity theft and did not belong to me. Phoenix Financial can't verify this account as mine and has no legal document bearing my signature. Phoenix Financial Service did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Phoenix is continuing to report inaccurate information onto my credit file. Not only that how can Phoenix Financial verify anything medical with a credit agency being that I have never signed HIPPA form authorizing them to have access to any of my patient information.
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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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.
|
| 08/07/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
There is three accounts that was previously with a different collection agency and it took a very long time to get resolved seeking financial assistance and i also called making sure it wo n't get on my credit report while they approve me and they agreed it would not and it finally got resolved and off my credit report. Now a different debt collection agency is trying to collect funds that is not owned and already resolved. I am so tired of these collection agencies either threatening me calling to much or not having accurate information no letters on file for notice. i never got a letter in the mail from Phoneix if i would have i would have been able to explain with them instead of taking the next protcal.
|
| 10/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to Phoenix Financial Services LLC, about medical charges added to my credit report. As I was trying to get accurate information about myself, they have, they failed to identify me. The company was supposed to send me a letter validating the debt I supposedly owed. The company failed to do that, and we were not able to reach a decision. Based on my information, this debt is not valid, nor does it belong to me. Under the fair credit act, they are supposed to identify me and prove that this belongs to me. They failed to act in such a way, this debt was supposed to be removed from Phoenix Financial Services last year. I reached out many of times, this is why I had to resort to filing a complaint.
|
| 01/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 10/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 03/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I received an email from XXXX XXXX stating that I opened a new account. I went into my XXXX XXXX account and noticed that Phoenix Financial Services had placed a collection action in my files for an emergency room visit. I called them and they stated that I did not pay a bill I accrued at an emergency room in XXXX XXXX Texas some time in XX/XX/XXXX. I told them I have lived continuously in Utah since XXXX and have never lived in XXXX XXXX, TX, which can be confirmed simply by going in my files. They were rude and refused to even take it off and basically threatened to keep it on there until I paid it off. I told them to ( _ -- -- off ) and go ahead and keep it on so I can sue them for violating the FCRA.
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The PHOENIX FINANCIAL SERVICES has added an older collection account to my credit profile as a " new '' collection from XX/XX/XXXX, it was sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor ( XXXX XXXX XXXX ) shows that the open date for the account is, I believe XXXX of XXXX, not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning.
|
| 09/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have been receiving harassing phone calls from Phoenix Financial. When I called back after a missed call today to find out who they were, they didn't identify themselves as a business, wouldn't tell me who they were, and stated they've been calling me for over a year so I should know who they are. The representative who I think was named XXXX XXXX, then hung up on me. I called back a second time and reached a XXXX who when ask, said he was with Phoenix. When I ask why they were calling he told me I called him and ask if we were going to play around on the phone, and this was an inbound line. He then also hung up on me. These collection practices are outrageous and the way i was treated is unacceptable.
|
| 02/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
The date is XX/XX/2018 for {$410.00} I spoke to the company several times before they sent me to collections and explained to them that my insurance covers the bill and to contact my insurance. I informed insurance that they would be calling and verified that I was covered for service. I did this numerous times and even sent the company contact names and numbers to call at the insurance company. I never received a response back until I started getting calls from debt collection companies. I just feel it's unfair for them to send me to collections without working with me to solve the issue. I can see if I was a rude or nasty speaking person but I always gave respect and just wanted the situation resolved.
|
| 12/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2019 I was received urgent care services from XXXX XXXX. After I received these services, I was informed that I would receive a bill in the mail. I never did receive any such bill. In XXXX of 2019, my credit monitoring service informed my that the account had been referred to collections. I also have not received any bills from the collections agency.
Immediately after learning that my account was in collections, I disputed the information with the XXXX. I received a response claiming that my dispute was invalid. The response did not contain a reason for the rejection, nor a promise to send bills as requested or any information I could actually use to resolve the debt ( account number, etc ).
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 11/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 01/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX I was had a XXXX minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this phoenix finacial service send e this letter telling me that my account was bought by XXXX XXXX XXXX XXXX who never contacted me for anything, and precisely this company has placed the account under collection with phoenix financialservices.
This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services?
Please, I need help to stop these greedy thieves.
|
| 02/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not owe the debt, I have proof of everything. This company Phoenix Financial Services already had my alleged account on XX/XX/XXXX but they are reporting it as new on my report as open date XX/XX/XXXX. That is a lie. I have derogatory evidence from my credit file from XXXX that proves they previously had this account with same amounts. They keep passing this account between XXXX XXXX XXXX and back to Phoenix just to update it to my credit report. I will never pay the amount cause it is not my debt. They are wasting their time and money on me. And the attempting garnishment of my credit better stop or I will have no other choice but to bring a lawsuit against them for my rights violation. Thanks
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, Phoenix financial, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped.
The credit bureaus have not provided verification proving either of these accounts are mine.
I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the XXXX XXXX XXXX account is a result of this. As this account is unknown to me and has an open date reported for XXXX.
I want both accounts deleted from my credit report.
|
| 12/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 01/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
|
| 10/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter from Phoenix Financial Services claiming I have a debt from XXXX, with a date of service of XX/XX/13. I requested information from them and they failed to provide me with the requested information. In XXXX I did not ride in or require an ambulance. I am protected by HIPAA, and had I used the services of XXXX, HIPAA would protect me from my information being shared with 3rd parties. This debt is not mine, I have asked for proof which Phoenix Financial Services failed to provide.
I will upload a document showing the first letter received by Phoenix Financial Services, my response letter, and their response letter where they failed to provide me with the information requested.
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, AZ XXXX XXXX SS # XXXX D.O.B : XX/XX/XXXX As of XXXX someone has been using my personal information listed above. I have not obtained any type of credit and there is several inquiries, delinquent accounts, and bills that I have not created or had. I am requesting that the information be removed or corrected. I also have bad check writing on my record that needs to corrected due to payment in full and resolved. Employment and background investigation has been successfully dismissed, time served, incarceration or sentenced to prison has been fully discharged and completed. If you have any questions feel free to contact me at the information provided.
|
| 10/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phenix financial services has called me weekly for the last month from multiple phone numbers that show locally in XXXX Texas, or in that surrounding area. When I speak to the representatives at Phoenix, I am told there are multiple people in their system that have my phone number. Then I am told that they are going to physically remove my phone number from their system. After each such promise, I received another phone call the following week to collect a debt against my phone number but my name is not in their system. I put them on notice last week that this was fraud I put them on notice this week today that I was filing a complaint. I have had the same cell phone number since XX/XX/2013.
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from Phoenix Financial stating they were trying to collect a debt I owed to " XXXX XXXX XXXX '' from XX/XX/2016. There is no such organization. I have paid my bills and do not owe medical providers, and if I was billed for something 5 years ago, I would have paid it back then.
This company calls often, and we blocked their phone number, but they change the number they call from. Their letter also names a group " XXXX XXXX XXXX XXXX XXXX. '' A quick search of the Internet shows this group to be disreputable, with numerous complaints lodged against them with the XXXX
I do not owe this debt and encourage you to stop companies like this from preying on consumers. Thank you.
|
| 08/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has called me today the day before and many other days which I have logged in my phone book from 3 different numbers after I told them if they fail to explain who they are and what they are calling for then I do not want them contacting me and told them to take me off the call list and blocked 2 numbers and they call from different numbers. They have poor attitudes hang up in your face call right back and have smart tones and act like you don't know the law. I once told them if they keep harassing me I would report them that it'd illegal if i verbally told them to stop contacting me until I contact them back and she laughed and hung up in face and called again 20 minutes later.
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$25.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
|
| 04/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A company by the name of Phoenix Financial Services is trying to re-age a debt of mine, for {$1000.00}, initially under the XXXX XXXX collections. The original date for the account was XX/XX/XXXX. Phoenix Financial Services is reporting that the debt is from XXXX. Attempts to get them to correct it have gone unnoticed. My husband had the same thing happen with a medical debt from a different year, also originally with XXXX XXXX, and they're attempting to re-age that as well. His is from XXXX, in the amount of {$120.00}, which we are aware would still be reflected on his credit, however they're listing the debt as from XXXX like mine on his reports, which would extend it yet another 7 years.
|
| 06/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I received an alert for XXXX XXXX XXXX, a collection from Phoenix Financial in the amount of {$510.00} for a medical bill was put on my credit. I immediately called them and spoke with someone trying to verify my information. Unfortunately they asked if my name was XXXX XXXX, I replied no it is XXXX XXXX XXXX, then she continued to ask me if to verify my address, well I guess XXXX XXXX lives in Colorado, I live in California and finally I was not born in XXXX. The lady proceeded to tell me they were in the wrong and I need to file a police report???? I have disputed this issue with XXXX and they found the dispute in the collection agency 's favor. Outrageous!!!! Please help!
|
| 05/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Phoenix Financial Services, LLC is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.Phoenix Financial Services, LLC a re in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and HIPPA Law!
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I saw that this bill was added to my credit report, I have never received this bill. I called PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 XXXX and explained to the lady on the other end that I have never received a bill and that it wasn't my bill. I was seen at the XXXX around that time and I paid my bills. I requested the original bill. On XX/XX/23 I received a letter in the mail, with a generic print out, no even from the original creditor.
I called back to PHOENIX FINANCIAL SERV ( XXXX ) XXXX on XX/XX/23 and told the man I spoke with that this isn't my bill and I want to see the original bill, he told me he would request it and its now XX/XX/23 and I haven't received anything.
|
| 06/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 is submitted a complaint ( XXXX ) these derogatory items were supposed removed from my credit file since the complaint was closed. This company aren't allowed to collect debt whatsoever, and now upon checking my reports after updating my new address information I see that these creditors are now sending new correspondence to my new home address. This is harassment and against the law. These harmful items still exist and are seriously damaging to my score. They now have a new company reporting the same debt this company 's name is Phoenix Financial Service. Upon checking with my state this company is also unlicensed and unauthorized to collect debt in the state of Florida.
|
| 11/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I visited the XXXX XXXX Hospital in XXXX, Pa. My visit was covered under insurance and paid for. However, I received a debt collections notice from Phoenix Financial Services located in XXXX, Indiana about a debt owed to XXXX XXXX XXXX XXXX XXXX, which is also located in XXXX, but does not have a real physical location and Ive never been to this place either. After reviewing their information online it is noted that XXXX XXXX XXXX XXXX XXXX, is currently using the same phone number as XXXX XXXX Hospital, but is using a different address. The only name linked with XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX, who is not a physician at XXXX XXXX Hospital, nor a physician that I have ever seen.
|
| 10/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt.
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed.
|
| 07/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I had 5 missed calls from this number. My cousin called back to see who it was and rep mentioned a medical debt concerning my daughter before ever verifying if she had the right person on the line. After verifying the last four of my social the rep told me about the debt and asked if I could settle for 50 % off. I asked when she got the debt and she told me XX/XX/XXXX. I moved to TN and didnt know that this debt was ever in collections and I felt pressured to pay a settlement because she told me she wasnt sure how long the settlement offer would last. I told her I had to call back because I was embarrassed I had to deal with this while my cousin who I just moved in with was with me.
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial Se for the amount of {$260.00} and the other for {$280.00}. I have written several letters certified to this collection company and these people continuously ignore my requests to validate their claim that I owe these amounts. I mailed the letters at the first of the year after President Biden took office. He has completed 100 days of being in office and I still have yet to get any of the documents I requested that Phoenix Financial send me. They ignore me and in the process are damaging my credit by reporting monthly to the credit bureaus. Even after they have been made aware that these accounts are invalidated, not correct and should not be reported as accurate.
|
| 10/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received the debt on XX/XX/2023 to which I disputed the debt stating that insurance covered the cost and provided them with the information to show the insurance policy as well verification of coverage and policy inclusions for the services.
XX/XX/XXXX they were sent an email to dispute the debt. Also asking for how they received my information without my consent. I never provided them my address so how were they able to contact me. So it was an invasion of my privacy.
XX/XX/XXXX was a follow up to a mailed letter that I have never received confirmation of receipt from the creditor. Have also never received any information to follow up to any update on their records as well.
|
| 03/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent a debt validation request to this company via certified mail that was signed for and received on XX/XX/XXXX and rather than validate the debt I was sent nothing at all. This is a direct violation of U.S. Code 1692g within FDCPA regulation. I have proof of documentation being sent and received without any response that validates or verification that entitles me to this debt within the allotted 30 day timeframe. Please delete this information from my credit file and cease all collection activities immediately, otherwise I will be forced to report this violation of my rights under the FDCPA to the Federal Trade Commission as well as my attorney for legal action.
|
| 06/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I have this debt with the XXXX but i have a payment plan and I never fail to make a payment. This company I tried to explain to them regarding this issue and they don't let me to talk the scream to me and also used profane words to me they don't let me talk, they make me feel that I am a criminal. The name of the company is Phoenix financial services. the date of service was XX/XX/2018 owned amount {$490.00}. the hospital name is XXXX XXXX XXXX XXXX XXXX current creditor XXXX XXXX XXXX XXXX. I don't own this amount I already paid that amount with the hospital, and they don't want to listen and give any fax number or email where to send the evidence. They reserved to be demanded
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after 3 rounds of disputes. XXXX refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. Phoenix Financial has also been informed. This bill has been previously disputed when it was being reported by a different creditor.
|
| 09/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. Phnx Finac for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I've been attempting the dispute the alleged medical debt incurred 7 years ago as I haven't been to an Emergency room without insurance in over a decade. XXXX/Phoenix has placed this same debt on my credit report twice, so it appears there's 2 debts, ( once under XXXX, once under Phoenix ) They've never sent anything in writing and wouldn't confirm their identity if they called. After doing some research, it would appear that this is a common tactic when a debt is about to be removed due to age. I'm not sure if XXXX and Phoenix are affiliated with each other. It would appear they're trying to " reset the clock '' on a debt I never should've been liable for in the first place.
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX 2016, I had an XXXX XXXX XXXX XXXX XXXX XXXX and I could n't XXXX .My doctor gave me a prescription telling me to go to XXXX Hospital, a doctor will see me maybe in 15 mn. When I arrived my niece and an employee asked for a XXXX to help me. I did n't get it, I did all I could with XXXX XXXX to get inside. They had done nothing, they just put my name and address in their system and asked me to evaluate the pain.I sat for more than 3 hours hop ing to be seen by a doctor.I would like to go to the restrooms but I could not then I called my niece to come back and pick me up. Now I have a bill for XXXX for what. I do n't know.
|
| 08/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was taken to the emergency room after being bitten by a Brown Recluse spider XXXX/XXXX/XXXX while on XXXX XXXX with the United States XXXX XXXX XXXX. I was billed for this and fought it for years. I gave in and paid ( or tried to pay ) over the phone back in XXXX. I can not find a record of the transaction so I am thinking this may have been a scam or the transaction did not go through for whatever reason. After that I had not heard back from them until XXXX XXXX, XXXX in which I received a debt collection attempt letter. Bottom line is I should not owe anything due to the fact that I was on XXXX XXXX. The attempted collection is from Arkansas XXXX XXXX XXXX for {$630.00}.
|
| 04/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
awhile before, unrecalled number, date, time, i received a call from what i believe scammer, who gave little information!
then, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/2019 reported to collections account on my credit report, and intrusively observed all my information and invaded my privacy!
Didnt verify any debt, pertaining to what, from whom, from origin!
no rights, no contact, besides phone, of which, by phone, debt collector very quickly hung up, without answering any of my questions!
XXXX paid by XXXX Credit card XXXX XX/XX/2019 settled {$1200.00} claimed debt for {$570.00} and deletion off of my credit report!
|
| 12/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICE is attempting to collect on an alleged debt in the amount of {$1800.00} for their client : XXXX XXXX XXXX XXXX XXXX ... ... a medical bill.
A medical bill that I have no knowledge of. I never received any written notification of my rights to dispute and /or request validation of this alleged debt, they just placed this invalid information onto my credit report without due process ... .process to include my rights pursuant to the FCRA, FDCPA and the Fair Credit Billing Act. This agency is in violation of these federal laws.
PFS has placed this derogatory information on my credit report as valid when in fact it has not been validated at all.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
|
| 07/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phoenix Financial Services is attempting to collect two XXXX Hospital debts that were paid off by workers comp and documentation has been received by creditor. I submitted documentation from my attorney showing that XXXX XXXX XXXX had indeed paid the debts off and Phoenix Financial is still disputing the chargers. It has been in dispute for over 45 days and I have contacted Phoenix Financial over 5 times during the last month and a half. I followed up XX/XX/2020 with XXXX XXXX XXXX to ensure that those two payments had been submitted and was told they were. My attorney told me to file a claim due to unfair reporting practices and I hope this can be resolved quickly.
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXXXXXX XXXX XXXX account XXXX ( XXXXXXXX XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; PHOENIX FINANCIAL SERVICES LLC account XXXX ( App XXXX ) XX/XX/XXXX for the amount in {$1200.00} ; XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX for the amount in {$1000.00} ; XXXX XXXX XXXX account - XXXX ( XXXX XXXX XXXX XX/XX/XXXX for the amount of {$370.00}
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My son XXXX XXXX lives with his father and grandmother for the last 8 years. His father had custody of him at that time. He is XXXX now and lives with me .Upon the time he lived with his father he was XXXX and taken to the hospital. There are hospital bill being charged to me instead of his father XXXX XXXX who live in XXXX XXXX.
The medical bill is from XXXX XXXX.
I live in Georgia for over 10 years.
I explained this to Phoenix financial XXXX over and over again., it's even documented.
They continue to call several times a day and sent several letters.
I have tried to communicate with his father and grandmother and was advised it is me problem.
I need help.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This information has been provided thru my XXXX Account : https : //www.creditkarma.com/credit-health/transunion/factors/dm {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2019 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX See an error?
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.
DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
|
| 06/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I received a phone call from Phoenix Financial Services LLC stating they were collecting a debt from a medical company for services received in 2013 ( 3 years ago ) I told them I was not aware of any debt that my medical insurance did not cover. I asked them to mail me information on the debt so I could research the debt because 3 years ago is too long ago for me to even remember if that happened. They verified my address and said they would mail it to me. I receive a XXXX page document in the mail that does not provide me with any information that verifies that this is my debt. I also mailed a written letter to the debt collector again requesting the information.
|
| 01/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
After I submitted my latest complaint against XXXX XXXX XXXX ( Complaint ID # XXXX ), XXXX XXXX XXXX pulled my file from Phoenix Financial Services. However, Phoenix Financial Services subsequently and immediately flagged my account with the credit bureaus. Additionally, Phoenix Financial Services marked my account as " charge off, '' in retaliation and retribution for my complaints against them.
I attempted to resolve this issue with Phoenix Financial Services on the week of XX/XX/22 ; which yielded negative results ; because the representative on the phone disregarded my issue and stated.. " that's not our issue, and your file has been pulled from our office.
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification from my XXXX credit alerts I have a medical collections in the amount of {$91.00}.
The collection agency is Phoenix services has placed a fraudulent collection account on my credit profile.
I never received any written communication of this alleged debt and I have not resided in the state of Florida in several years- so I am disputing the validity of this account.
I am requesting the original signature in which I agreed to have services rendered and documentation an contractual agreement to pay/ with the specific dates.
I strongly believe this is a violation of HIPPA and plan to pursue every possible avenue to prevail this matter.
|
| 06/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A company listed by the name " Phoenix Financial Services '' claims I owe a medical debt of around {$230.00} for an emergency room visit around the middle of 2017. They claim they mailed me a letter, which I did not ever receive. When I called them, they did not even ask me to verify my information, and read my entire social security number aloud. They will not dispute any charges which is my right under the FDCPA. They claimed the 30 day window has passed, but it is not valid since I did not receive a letter. They were very hostile and argumentative with me on the phone, and their demeanor indicated this is not by any means a legitimate or professional company.
|
| 08/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PHOENIX FINANCIAL SERV flagged my credit report on XXXX on XX/XX/XXXX for {$1400.00}. I have had no prior interaction with them nor received any notice of having any debts. The account was disputed and a week later on XX/XX/XXXX was marked as accurate information on XXXX. XXXX opened another dispute for me for fraud against them again this same day. I have also contacted the company and they claim it is due to an ambulance bill from XXXX. They also could not provide an itemized bill or more details to me about this. I was told they do not have a bill and they would need to go request one. I was a minor for the first part of XXXX and have not taken an ambulance.
|
| 02/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
An account with Phoenix Financial Services showed up on my credit report for an account with XXXX XXXX XXXX XXXX. I sent a letter via certified mail to Phoenix Financial Services, which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have received nothing from them. This account is still reporting on my credit reports.
|
| 08/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX of Phoenix Financial called me and asked if I would make a payment towards a debt. I explained I needed a debt validation letter to be sure of the debt. He said they had already sent one and I explained I had not yet seen the letter and could they send another.
He said they already sent one and planned on turning over my debt to my credit report marked as " refusal to pay ''. I explained I was not refusing to pay but wanted a letter sent to me first to be safe.
He interrupted me and aggressively said I was refusing to pay and that he was going to turn it over to my credit report as such.
I asked for his employee information and he hung up on me.
|
| 08/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.
|
| 06/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is for Phoenix Financial Services. They appeared on multiple credit reports for a medical debt with original creditor " XXXX XXXX XXXX XXXX. '' The amount of Debt is {$480.00}. I am highly confident they are not collecting on behalf of creditor and they bought this debt from someone else and will be unable to verify the debt directly from XXXX XXXX. Again they have made no communication with me and have put this on my credit reports. The took a step further and on my XXXX credit report they listed the following : " PHOENIX FINANCIAL SERV has flagged your account as Collections. '' This company seems to have a history of fraudulent debts and practices.
|
| 05/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This company has purchased a debt that has been sold 4 times. The original creditor says they have no record of this medical debt. Ive never lived wherever this medical practice is and they have no signatures, licenses, ids or anything showing me being there. I've threaten lawsuits before and always have had the debt removed thru investigations of credit bureuas. This creditor refuses to provide me with anything proving this debt belongs to me. I have sent to letter asking for validation with no timely response. If they have no proof they legally can not continue reporting something false.
Tracking of validation letters.
XXXX XXXX Has not marked disputed.
|
| 09/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Phoenix Financial Servic has placed a collections account on my credit reports for a balance of {$1300.00} as collection/chargeoff for an original lender XXXX XXXX XXXX XXXX it appears to be a medical debt and I have no idea about the specifics of this account and they have not provided me with any specific information re ACCOUNT TYPE,, and the only thing I can think it might be is a trip to an emergency room where after waiting for several hours, I LEFT .... so if that is the case I got no services from either phoenix or XXXX, but I only have information from my CBR 's can not request a VOD nor can I dispute this and they are doing damage to my credit.
|
| 06/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
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Web |
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Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..
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| 05/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX I settled the account in the amount of {$720.00} to XXXX XXXX XXXX with XXXX XXXX XXXX for the amount of {$470.00}. XXXX XXXX showed my account as settled on my credit report then Phoenix Financial wound up with the account, posting it for collections on the same day I settled this account. I disputed this collection and it was not removed from my report stating the account is valid. I have documentation from XXXX XXXX XXXX stating this account is settled and has a {$0.00} balance as well as the bank transaction showing the money paid out to them. I would like this corrected ASAP on my credit reports. Thank you in advance for your help.
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| 03/23/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
Phoenix Financial Services, LLC continues to report XXXX that was paid by my insurance company as money that I still owe and they are reporting this as unpaid on my credit report. This bill was never my responsibility and was always covered under my health insurance plan. XXXX contacted this company in XX/XX/XXXX with me on the line and told them that this bill was paid and was the responsibility of XXXX. They said sorry for the error and they would remove this. It is now XX/XX/XXXX and it is still being reported on my credit report. I contacted all XXXX credit reporting agencies and disputed this error and it continues to remain on my credit report.
|
| 09/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Phoenix Financial has reported a disputed debt from 2013 which is past the statute of limitations in the state of Delaware ( 3 years ), also have called and threatened to file suit when it is past the statute of limitations as well and they are not within their rights to do so. They also reported this single debt to my credit as 3 separate debts thus far. They are violating my rights under FDCPA and I will file a complaint with the XXXX, FTC, FCC, their local attorney generals office and any additional office that I find. If they do not remove this negative report from my credit within 10 days, I will be forced to explore my options with litigation.
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| 03/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A company named Phoenix Financial Services have a medical debt in my XXXX file as a collection and I know is not mine. Transunion removed it two days after my dispute in XXXX but XXXX sent me a letter today XX/XX/21 letting me know that the debt is mine which is not. I have medicare and usually everything covered is paid in advanced and if not I always asked before service because I do not have sometimes the money to pay out of pocket, in general I always pay in advanced if there is any out of pocket amount or I do not proceed with the service. This collection debt is causing a lot of damage in my credit report now. It is very stressful for me.
|
| 02/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I got an alert on from my XXXX Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was Phoenix Financial Services I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more notifications from XXXX that Phoenix Financial Services has flagged my account as Collections. On XX/XX/2019 I received a letter from Phoenix Financial Services which was a bill and not validation. Phoenix Financial Services has not sent me anything validating the debt.
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| 05/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The bill for {$2600.00} being placed in collection by Phoenix Financial Services is not mine and have advised them of the fact. I have been a victim of identity theft and have requested that they provide proof that this bill is verified as my billing against me. The company has ignored my request and continues to place a negative notation against my credit report. The matter has remained open since XX/XX/2023.
There is no proof of such a billing for services being provided and am requesting that this be immediately removed from my credit report.
PHOENIX FINANCIAL SERV Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX
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| 07/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/21 I sent Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX, a request for Validation letter concerning a Medical Collection for {$900.00}. Phoenix Financial has failed to reply or Validate the account with me. I contacted the Credit Bureaus and they reply Stating Phoenix Financial validates the debt. But can't give info., on how Phoenix Financial has validated the debt. On my last credit report it was not Stated that Phoenix Financial has place my request is in Dispute. On XX/XX/21 I followed up with a Second request and still No reply also along with the Second letter I also sent a copy of the Second request to CFPB.
|
| 11/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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on XXXX XXXX, 2017, Phoenix Financial put 3 Fraud Medical collections on all 3 credit bureaus. We notified Phoenix Financial by phone call that these were not my debts, but were Identity Theft. I never had any knowledge of the bills, nor was I at the medical facilities they claim these were from.
They agreed that these were due to Identity Theft and would remove from all 3 credit bureaus. However, they continued to leave on there.
I filed a XXXX XXXX Police Report detailing the Identity Theft and the Fraud specifically from them and the account numbers.
They still have not removed the Fraud that is not mine from collections under my name.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I received an alert from XXXX XXXX that I had a collection on my credit report from Phoenix Financial for an emergency room medical bill from XXXX XXXX XXXX XXXX on XX/XX/. I was on XXXX ( public aid ) at the time. I always verify that my hospital visits are pulled up before seeing a doctor, no matter how horrible the pain is. The hospital I visited is XXXX XXXX. I contacted Phoenix Financial the moment I received the alert & notified them that I was with Next Level effectiveXX/XX/XXXX. It is illegal for the debt to be made the responsibility of a patient with XXXX. I total cost of the services were {$660.00}. This is not my responsibility.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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I was in a car accident on XX/XX/XXXX, and XXXX did not cover the ambulance ride to the hospital. The bill was sent to insurance, and on XX/XX/XXXX I saw an 89 point drop on my credit score. I was wrongfully sent to a collections agency over a debt that is almost XXXX XXXX XXXX, and should not have been charged to me for {$1100.00}. The debt collection agency Phoenix Financial Services informed me I have to settle the debt in order to remove it from my credit and have wrongfully charged me {$340.00} to drop this off my record, when it should have never been sent to collections since this debt was billed to insurance and never billed to me.
|
| 12/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This debt is not owed. The medical facility, XXXX XXXX Hospital, did not properly bill the insurance company. I contacted the insurance company and they were waiting for information to be submitted. I contacted XXXX XXXX Hospital multiple times asking for this to be properly submitted.
They sent the bill to collections without responding to my requests.
This bill has been shifted to two collection agencies that I am aware of.
Now it is with Phoenix Financial Services LLC, and they did not respond to multiple communications.
They set this debt against my credit score, reducing it.
No one is listening to my complaints, please help!
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| 06/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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This company Phoenix Financial Services has placed 2 collections on my credit report that I do not own. Sometimes last year I disputed this same debt with XXXX and the collection was removed. I also contacted the original creditor who reported to me to file a complaint as well as dispute with the credit bureaus. I have also been informed that this company refuses to practice according to the FDCRA and properly validate collections that they are placing on consumer credit reports.
These accounts are continued to report on my credit reports and they have not been validated according to the FDCRA, which is a direct violation of the FDCRA.
|
| 04/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
I received a letter from Phoenix Financial Services stating that I owe a creditor XXXX XXXX XXXX XXXX XXXX {$2800.00}. I have never had any sort of involvement with this company ever. Upon looking both of these companies on the website, I discovered that these were both scams. They have hurt my credit while I was building it up. I don't understand how anyone can just open these fraudulent accounts and hurt someone's credit like this. Something needs to be done to hold companies like this accountable with fines and prison time. This is just wrong and I feel bad for people who don't know their rights or how to handle situations like this.
|
| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from Phoenix Financial Services stating i owe {$1400.00} XXXXXXXX XXXX XXXX XXXX to a company named XXXX XXXX XXXX XXXX. I have no business dealings with either of these companies and it seems suspicious and deceptive considering this company has several lawsuits that show the company is a repeat offender when it comes to consumer rights. This company and all subsidiaries Shall cease and desist all communication with me other then to provide me ALL tracking and FULL DISCLOSURES pertaining to the alleged debt BY Certified USPS MAIL. Please provide me the services that were rendered in relation to this alleged debt.
|
| 09/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On Monday XX/XX/19 I noticed a missed call from XXXX. I received the call again 2 hours later and a woman identified as calling from Phoenix Financial Services, LLC calling about an alleged medical debt of apx. {$1600.00} and asked if I was interested in accepting an {$800.00} settlement. I stated that was a great offer but would need to communicate in writing only as I can not answer calls while working. The woman abruptly ended the call. In attempting to call back from my cell phone 4 times and office phone 1 time the agent repeatedly hung up without taking my call. This is an abusive practice and violation of FDCPA UDAAP provision.
|
| 08/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Phoenix Financial states that this debt 1 is from XX/XX/XXXX with an amount of {$2500.00} that they put on my credit report as a late payment. When contacting Phoenix Financial Services they inform me that this account is from XX/XX/XXXX from a credit card that was not mine. A. These charges are not mine and B. They shouldnt even be on my account from 7 years ago. How do you even get away with this? I need and want this taken off of my credit. I had greatly improved my credit score and this false debt has lowered it tremendously by almost 50 points. I desperately need help with this matter. I look forward to communicating with you.
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2020, Phoenix Financial Services added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Phoenix Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 04/19/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
My bill is covered by medicare and medicaid pheonix finacial has called me several times and beathed into the phone and hung up. When I called them back and they answed the phone they did not state the name of the business until I asked. I told them someone had been calling and hanging up on me. THEY TOLD me I had a bill from the physicians at the emrgency room that I refused to pay and I told them it was covered by medicare and medicaid I had given them the numbers and could again they hung up on me. They said they were sending it to collections over several weeks they called and hung up on me. I thought someone was harrassing me.
|
| 10/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix financial services started to repeatedly call and wouldn't state who they were over the phone, instead they hung up and called again, even after they were told not to call again. Somebody received a letter in the mail for me then I knew who the callers was, it had some random " debt owed '' from 4 years ago for {$5.00}, then sent another letter for {$44.00} both for a creditor I've never even heard of, date of service I never seen anyone on. The XXXX places I've been, I haven't owed anything to for over 7 years due to always having XXXX insurances and paying at the time of appointment, I regularly check the accounts too.
|
| 08/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX soon after my visit sent my account to collections without contacting me in writing after disputing charges.
When I received the original bill i was being charged for Doctor I never saw. I disputed it with the hospital. I saw a nurse practitioner and was charged for XXXX XXXX XXXX XXXX XXXX when I received XXXX XXXX XXXX XXXX. It was soon after sent to collections. When I was contacted by collections I informed them my bill was incorrect and I asked for an itemized list. They told me I needed to dispute w/ hospital. They have now sold my account to Phoenix Financial Services LLC that is asking for a new higher amount.
|
| 01/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is a collection agency account on my credit that I have no knowledge of. During the times that this debt was created I was incarcerated. Also the city and state are both located in XXXX Florida where I never had a residence. I have contacted them several times and provided all documents, yet this debt is still on my credit. Its show two times on my credit for the same amount, but 2 different collection agencies.
XXXX XXXX XXXX {$1000.00} - XX/XX/XXXX Unpaid COMMENTS MEDICAL, XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SE {$1000.00} - XX/XX/XXXX Unpaid COMMENTS COLLECTION ACCOUNT, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
|
| 08/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX Phoenix Financial SE added a derogatory mark on my credit report per XXXX XXXX, XXXX app and annualcreditreport.com. Upon further research this account was transferred/sold and I am and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Phoenix Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 03/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from Phoenix Financial Services early XX/XX/2019 with an offer to settle my {$1200.00} medical debt for a discounted {$500.00}. If I checked the box I was agreeing to the offer and this would resolve the debt along with instructions where to send a check. A week later the check was cashed and the debt was off my report. Three weeks from then my XXXX XXXX notified me that they have now reported the balance of that debt. This was not the written agreement. I have now received another letter as a false " second attempt '' stating they are offering I can pay a discounted {$300.00} of the remaining {$760.00}.
|
| 10/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
When the auto accident happen, I provide them with all the insurance information. I had XXXX and XXXX at the time of the incident. I spoke with XXXX and they said for the provider to re bill the services and they never did. Now years later they want to send me to collections when its passed the 5 year limitation and federal law says that as a XXXX recipient I am not the pay or of last resort. They are. I do t know why I am even in collections and they are missing up my credit with the negative remarks. XXXX dispute system doesnt work. They didnt even attempt to read my dispute or look up the laws I am telling them about.
|
| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I pulled my XXXX credit report and found the company Phoenix Financial Services had reported an unauthorized collection to me credit file.
First I do not know who these people are. Second the information that they listed in their letter I do not recognize. Third, they placed this collection on my credit file on XX/XX/XXXX then followed up with a letter dated XX/XX/XXXX. This is in complete violation of the FDCPA Regulation F.
This law went into effect XX/XX/XXXX. The letter that I received in the mail has nothing to do with me, the company in itself has knowingly and willfully violated my consumer rights.
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A debt collection for Phoenix Financial Services with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and XXXX that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 06/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.PHOENIX FINANCIAL SERVICES has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
|
| 08/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services has an old debt that was incurred back in XXXX. I was XXXX years old at the time and had my XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX KY. I was under my parents ' medical insurance at the time. We believe the bill was paid by my parent 's insurance. I have sent 2 letters to Phoenix Financial, one in XX/XX/XXXX & one in XX/XX/XXXX to try to get verification of the debt. I also requested that the negative information be removed from my credit report. To date, that has not happened. If they can not verify that I owe this money, I want the negative information removed from my credit report.
|
| 08/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 03/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Highest Balance {$4100.00} Opened XX/XX/2017 ( 6 mos ) Account status Open Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX It has now been put to Phoenix Finacial Serv.
I had went to the emergency room for a XXXX on my XXXX, I had insurance, and had my card I put down my information thinking this was a urgent care, I had understood this was an urgent care after everything was said and done I was told my insurance would cover it and went on my way, now I'm looking at a XXXX $ bill I have no idea how I got no information was sent to me it just got out into collections.
|
| 02/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.
|
| 01/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services is reporting two accounts on my report that are not mine. States they are medical bills from another state. I have lived in iowa for 40 years. The account opening date keeps changing but are all sometime in the last year. I have not traveled out of state In years. Ive asked them to provide me proof this debt is really mine and have been ignored. These two collection accounts are the only negative marks on my credit report and its infuriating that they are allowed to damage peoples lives in this way without validation that the debt is actually owned by the person they are negatively affecting.
|
| 05/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Phoenix Financial Services & XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called XXXX XXXX XXXX and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills.
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.
|
| 04/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020, Phoenix Financial Service added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Phoenix Financial Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After getting my annual credit reports I noticed a collection account that I knew nothing about so I sent a certified return receipt letter to Phoenix Financial Services asking for validation of an amount that they claim I owe them {$1200.00}. I received no communication from them but noticed that my credit files was marked with the statement : disputed by consumer, meets FCRA requirements. Are they not required to verify and validate a debt they claim I owe? I have no knowledge of this debt and do not feel I should have to pay them and would like for them to validate it or remove it from my credit files immediately!
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The reporting company, PHOENIX FINANCIAL SERV, is violating my rights under HIPPA Law for account XXXX XXXXXXXX. I have reached out to them via mail ( see attached ) requesting information regarding the collection. I have not received a response from them with the requested information and it has been 30 days. That is grounds for removal for the reporting company and medical center reporting personal information without my approval. Witholding the information they received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because they are deceiving me after my written request.
|
| 05/24/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
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|
Web |
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|
Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit.
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist..
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have two outstanding debts through XXXX contracting svc ( {$900.00} & {$1200.00} ). One of them has been double reported ( {$1200.00} ). It shows the same debt twice on my credit report. Original date of XX/XX/XXXX. I have disputed it multiple times through XXXX XXXX with no luck of having one of them taken off to reflect that it is only one account owed for that amount.
In addition to that issue, on my credit report the date referenced does not reflect the actual date of the debt. The amounts are {$1200.00} from XX/XX/XXXX, and {$900.00} from XX/XX/XXXX. On XXXX and XXXX it shows XX/XX/XXXX and XX/XX/XXXX.
|
| 09/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
Servicemember |
|
The debt showing on my credit report by Phoenix Financial Services and XXXX XXXX XXXX are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.
|
| 02/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This place XXXX XXXX XXXX sent me letters to treat me twice last year and this year on tax season file. I looked at the account number now match to mine by one later at the beginning. I paid off my medical bill since XX/XX/XXXX - XX/XX/XXXX done. Some bills sent out some paid in person. The last bill I went to paid in person at front desk, that front desk lady told me to call debt collection to confirm that I paid off. From that time I mowed the state and lost some receipts and still have some, and I lost the number to call to confirm also.
NOTE : I can't pick up phone while working, but can text me anytime.
|
| 06/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
I recently noticed a balance of {$1700.00} add to my collections around 2021. After finally receiving a statement and a proper number to call I called to talk about financial hardship to hopefully get this charge taken care of. After getting the runaround I heard nothing back and after a couple of months have received a phone call and a second charge added to my collections for the same charge through the debt collector. I am unable to pay this I have talked to numerous people in regards to getting this taken care of nobody has helped me I have no idea what else to do and I need help trying to figure this out.
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES is in clear violation of the FDCPA Laws, 48 of them but I could have cited more. From there previous response to my original inquiry of validation, there is a clear admission of non proof, but harassment.
Pursuant to 15 U.S. Code 1692k - Civil liability, 15 U.S. Code 1692k ( a ) ( 1 ) and 15 U.S. Code 1692k ( 2 ) ( a ) I want remedy of {$48000.00} and immediate Deletion from all consumer reports. I will be sending on my affidavit of Truth along with an invoice for my Federally protected consumer rights. please investigate this matter and help me from further harassment.
XXXX XXXX
|
| 03/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The debt is not in my name, it is in my husbands. I informed Phoenix Financial in the past they need to call him. They called again on XXXX the XXXX and proceeded to give me all of his information on the debt to the Emergency Room. I did not have to give any identifying information. And I do not think that is legal.
I informed the caller that she needed to call him, and I was told, " Well your number is the first one listed. '' And hung up. It isn't. The debt is in his name!!!
I am sure they are using this tactic for a lot of married couples, and that is not right. I do not have anything to do with this.
|
| 02/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company PHOENIX FINANCIAL SERVICE is reporting to the credit bureaus that I owe debt on three accounts ( Account # XXXX, XXXX, XXXX ). I sent Phoenix a letter requesting validation and proof of the debt on XXXX XXXX, 2021 but I have not heard anything. They are still reporting that I owe even though they haven't provided me with any information nor have the responded to my letter. I do not believe the debt they randomly put on my report is mine.
This is causing me undo stress and frustration. It is also impacting my ability to get lower interest rates. I have attached a copy of the letter I sent them.
|
| 11/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hello We're not sure what this debt is nor can we verify any of this information as it's not a medical location we have visited. Given this is the first we've heard of it -- and they are claiming it's from XXXX of 2020, we are thinking it's fraudulent.
This is the only blemish on our credit report, and having this debt collection company hang up on us when we asked questions, then just send us a letter doesn't feel like it's credible.
We would like this debt removed since they have been unwilling and unable to provide any further information and we have no records ourselves of this supposed " bill ''.
|
| 07/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I disputed a debt that was on my credit with Phoenix financial services. On XX/XX/XXXX th 2020 The account was removed from my credit report. I never received any paperwork or documentation regarding this account. I dont even know what the account is. In XXXX XXXX XXXX the account was placed back on my credit report with out any notification. I have no knowledge of what this account is at all. I never received a notice that I had debt or they were placing account on credit. Never received a letter asking for payment or stating I could dispute the account. I want this account removed from my credit report.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The company Phoenix Financial Services is double reporting the same debt. I first looked at my report as I haven't in over a year and noticed a duplicate listing. I reached out to have the duplicate removed and instead of removing the duplicate they updated as late on both listings. After researching these listings I have discovered these are not my debt owed in the first place. I have asked that both be removed as they are not my debt. This has damaged my credit credit score twice over. Please help in the removal of the debts listed that are not mine and repair what was marked as late for over a year.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dates XX/XX/XXXX.
Original Creditor : XXXX XXXX XXXX XXXX XXXX.
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.
|
| 07/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
On XX/XX/2019 I went to the emergency room sick. XXXX XXXX hospital XXXX XXXX XXXX XXXX XXXX NV XXXX. XXXX 's name on my receipt is XXXX XXXX .I negotiated the bill with the billing department From {$5600.00} to {$2200.00} in good faith and paid in full {$2200.00} on XX/XX/2019 and I saved the receipt. And about 3 months after I payed them I received an additional bill from DR XXXX XXXX for the same hospital bill I already settled and payed. for an additional {$1800.00} from a XXXX XXXX XXXXXXXX XXXX XXXX and an an additional {$250.00} from XXXX XXXX XXXX for the same hospital bill I already payed.
|
| 09/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XX/XX/2022 a written letter was sent to Phoenix Financial via Certified Mail requesting Phoenix send me a debt validation of this account. I never receive any written notification prior to them reporting this alleged debt on my credit reports. And they never reply to my letter written back in XXXX to prove this is my debt. I have proof they received my written request because they signed for the certified mail concerning all of my request which you will find with this official complaint. So my final request now is for Phoenix to delete this account because they have violated my consumer rights.
|
| 02/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX hospital, I called and confirmed this with XXXX Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.
|
| 03/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received mail on XX/XX/XXXX from a company called Phoenix Financial Services saying that I owe a debt from another company called XXXX XXXX XXXX XXXX in the amount of {$1300.00} at date of service in XX/XX/XXXX and that I paid off {$330.00} between then and now which I havent since I dont owe this company any money and that now I currently owe them {$970.00} but if I pay off my debt within 60 days I can pay a reduced amount of {$680.00}, I was given the option to dispute my claim with them but I dont want to send any personal information to a company I have no idea and believing is scamming me.
|
| 01/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon looking at my credit report yesterday I received a notification from XXXX XXXX that Phoenix Financial SE has reported an account they recently purchased from an original creditor that was made to delete the information due to account not being mine. XXXX XXXX XXXX sold this old account which was previously deleted to another collection agency. I never received anything from this company regarding this new account being re placed for collection. On my credit report for XXXX, XXXX XXXX XXXX has two separate collection agencies reporting this one account to really try to hurt my credit score.
|
| 10/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a notice from Phoenix Financial Services about a medical debt they said I owed.
I sent a letter asking for a itemization detail of the original debt and never received it.
They placed the debt on my credit report.
When I called to ask them to remove they said it was ordered but never received by the original debtor debt and they refused to remove it from my credit report unless I paid the bill. I asked if this was legal and was told yes unless I pay the bill.
I would like my XXXX back until I can receive proof of debt.
Was told they will order it but it will take two weeks.
|
| 07/12/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
" I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.
|
| 01/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVIC Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name XXXX XXXX XXXX XXXX Phoenix Financial Services continously report to all 3 credit reports as if I have an account with them. They are the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me.
|
| 06/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
Received derogatory for an old medical debt week of XX/XX/21. Received offer to settle it for {$79.00}, which I promptly did on line. Funds were withdrawn from my bank account on XX/XX/21. Payment shows as received on their website, however they have STILL not " officially '' posted it nor reported said payment to the credit bureaus. I call them every day, I have emailed them screenshots. No joy. To my own dismay, I have resorted to abusung them back lately. I am trying to get a $ XXXX mortgage right now, and a ridiculous {$79.00} that I already paid is holding it up. This is unacceptable.
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
The debt collection company Phoenix Financial Services has continued to harass me for a debt that I did not incur for some sort of emergency services. I have blocked over a dozen phone numbers over the past few months because they continuously called my husband and me. I thought it was a scam. Today I see that it has been placed on my credit report since last month. I have paid all my debts on time. I am in good stand with all my creditors. It does not make sense that I would choose to not pay XXXX. I want this company to stop harassing me and remove this from my credit report immediately.
|
| 12/07/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2015 I mailed a validation letter to Phoenix Financial Services for a debt that they claim I owe them. I noticed it when I pulled my credit report recently, therefore I sent a validation letter requesting more information the account they claim I owe them. On XXXX XXXX, 2015 I received a letter with information related to the account with insufficient information. The statement attached to the letter does not provide detailed information such an itemized or details of services. The statement date is as of XXXX XXXX, 2015. Lastly, I have never been to XXXX XXXX XXXX XXXX XXXX.
|
| 10/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I received a notification from XXXX that a collection was added to my file. Upon review, Phoenix Financial Services placed a {$58.00} collection on my credit Bureau. I have no idea what this debt is for and it does NOT belong to me. This is the second time this company has done this. I have never received any notification by mail or phone. I have stellar credit and have never been late or have any debts unpaid.
This company is in violation of so many laws and I am going to contact the attorney general of my state as well to inform them of the deceptive acts by this company.
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, PHOENIX FINANCIAL XXXX XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the account :
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Phoenix Financial Services is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. Phoenix account number is XXXX. This is the same item that I disputed and filed a complaint in XXXX XXXX Re : XXXX Complaint # XXXX ... XXXX XXXX XXXX. I sent an email to Phoenix Financial on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
|
| 01/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX, I received a call from XXXX XXXX from Phoenix Financial stating they were trying to collect on a medical bill from XXXX. XXXX explained the bill was from the ER. I explained to XXXX that I had not been seen in the ER in XXXX, which he was referring to, and that debt was not my debt. XXXX proceeded to ask me, if I would like him to inform me of what the hospital visit was for. When he asked that, I realized that is not only a HIPPA violation, but also a violation of the FCRA. More so a HIPPA violation rather because I informed XXXX that that medical bill did not belong to me.
|
| 06/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This account has been re-aged. The original account was from XXXX XXXX, dated back in XX/XX/XXXX. Phoenix financial purchased the account and re-aged it to show the original debt was in XX/XX/XXXX. I asked them in a recorded conversation to update and report the account accurately. They refused to do so and stated that it would fall off my credit in 7 years unless I paid them money, I refused. If every creditor sold a debt after 6 years and the new creditor reported it as new debt, the process would always continue to be on my credit. Please correct this and report the debt accurately.
|
| 09/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 03/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is the XXXX time I have disputed and filed a complaint with the CFPB and FTC over this account PHOENIX FINANCIAL SERVICE # XXXX It is a Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collected by another who allegedly purchased the debt. This account has issues all over the place. I request some type of documentation thew I can review for my own personal investigation. What is the date of the last activity on this account XXXX cant seem to find it? Where is the XXXX waiver?
|
| 01/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I first found the collection company reporting on my XXXX credit report. I disputed it with XXXX on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted Phoenix Financial Services on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my XXXX Report. I am requesting that Phoenix be removed from my XXXX credit report.
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, XXXX PHOENIX FINANCIAL SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PHOENIX FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 01/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt collector continues to harass me and my family about a medical debt that is unverifiable and they have no proof of a signed contract from me. I have sent 2 letters requesting validation and they only respond with an itemized bill with no signature or proof the debt indeed belongs to me. Under the Fair Credit Reporting Act all information reported to the Credit agencies must be accurate and verifiable. I have NEVER had a contract with this company or done any business dealings with them. They have nothing to prove I owe them and they have damaged my credit without merit.
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services is violating the FDCPA. Back in XXXX XXXX, they sent me a bill which I did not recognize. I asked them to validate the debt and prove that this debt was mine. I received no response at that time. On XXXX XXXX, I received a letter from XXXX XXXX XXXX trying to collect this same alleged debt. I wrote to them as I did Phoenix previously. I received no response to that letter. Now Phoenix has contacted me again asking me to pay the same alleged bill but this time the current creditor being referenced is XXXX XXXX XXXX XXXX v XXXX XXXX XXXX cited originally.
|
| 02/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received XX/XX/XXXX " Demand Letter For Payment '' for {$1200.00} from Phoenix Financial Services, LLC.
On XX/XX/XXXX I sent a memo ( copy attached ) to Phoenix Financial Services, LLC with attachments showing this bill was paid in full ( {$1100.00} ) to XXXX XXXX XXXX XXXX XXXX XXXX.
Received Phoenix Financial Services, LLC 's XX/XX/XXXX reply letter XXXX copy attached ) requesting front and back copies of checks.They completely ignored all payments were paid through XXXX XXXX online " my chart '' system and my balance due as of XX/XX/XXXX was XXXX ( {$.00} ) copy attached.
|
| 10/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2017, I was involved in a car accident. I had XXXX for a auto insurance carrier and XXXX XXXX for my health insurance. The insurance had already met the policy limit with XXXX and they was supposed to be paid with XXXX XXXX. I provided the health insurance company with the Letter and payment history to let them process the claim. I called XXXX XXXX for a year and half now. I haven't go nowhere. I met my health deductible with XXXX XXXX so it should been paid in full. Now, I have this PHOENIX FINANCIAL SERVICES LLC that never sent me a bill nor provided me with this debt.
|
| 04/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/2022 A derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
|
| 10/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Phoenix Financial about a debt and asked that they provide validation. I sent the letter certified to make sure they got it ( the certified number is XXXX XXXX XXXX XXXX XXXX ) and they got it in their office XX/XX/2020. After not hearing from them I sent another letter telling them they have to stop collection activities because they ignored my request and they trying to collect on an invalidated account. I, too, sent that certified. To this day they are still reporting this account on my credit report yet haven't provided any information about this alleged debt.
|
| 05/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my second dispute notice and as I was going over my credit report once again Inoticed some accounts that do not belong to me. The accounts need to be deleted from mycredit report immediately. Other accounts have been transferred to other offices and arenow showing up twice on my credit report. This affecting my ability to buy a home. This is anact of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair creditreporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -PHOENIX FINANCIAL XXXX XXXX XXXX
|
| 04/18/2017 |
Yes |
|
- Credit monitoring or identity protection
- Problem cancelling or closing account
|
|
Web |
|
|
Hi I spoke with the credit agency three tim es regarding this matter provided documentation twice they informed me that it was my responsibility to find out what 's going on not theirs if still not corrected this and I am now in the process of filling complaint with the XXXX XXXX XXXX as well as your office and attorney assistance over to correct my credit and I was not required to pay and it was paid to the original debtor back in XXXX I 'm including the copies of that document as well as the showing that XXXX was not responsible for work from the beginning
|
| 09/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/XXXX, I called phoenix financial because I had received a collection letter in close likeness to my mother 's name with my kids names attached to the debt. I called and tried to explain and was hung up on after asking to speak to the supervisor. I called back twice and asked for a supervisor and was hung up on by XXXX XXXX twice. I finally spoke to XXXX XXXX who was also very difficult when I explained that they had the wrong debt connected to the wrong person. This is not how people should be treated when trying to clear up something that could effect their life.
|
| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never got a letter stating I owed a debt from XXXX. This collection was placed on my credit report on XX/XX/XXXX. I contacted the debt collection company and requested a Debt validation letter. The man on the other end of the phone informed me it would take about 30 days. To the current date, I still have not received any formal debt validation letter from PHOENIX FINANCIAL SERVICE. While the collection has been removed from the other credit bureau 's it still remains on XXXX phoenix Financial service can not prove I owe this debt. I would like it removed from my report
|
| 08/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm dealing with a debt issue related to a hospital, but it's not the original debt. I've been receiving letters from different companies regarding this debt for various financial services. I would like to be removed from their mailing lists. Additionally, there is no signature proving that I owe this debt of {$1100.00} to the financial company handling the original debt.
It's really important to put an end to the debt harassment and make sure your personal information isn't sold without your consent. Let 's work on stopping the harassment and protecting your privacy!
|
| 11/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was placed into Collections for an ER visit on XX/XX/2016. I did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
|
| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a odd collection saying I owed XXXX from our local XXXX XXXX from XXXX! I requested an itemized bill. What I received back was a very vague bill from another 3 party collector. I went to the XXXX in question they have zero records of this. They said dates are wrong no insurance is noted and there is no doctor name. They said it looks like I'm being billed for a visit from XXXX during XXXX for the full amount not what insurance paid. Everything on it was not credible do not pay it. There is no record for this amount and no record of me attending on this day
|
| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company started calling me in XXXX stating they received the account from another collection company. I stated to them I do not have an account with anyone because all my accounts were either paid off by myself, the employer or disputed. I checked my account and I do not have nothing on my account with XXXX, XXXX and XXXX at this current time. I do not know where this account is coming from. I ask them to send me a copy of the bill. I have contacted the insurance company and the hospital and they have nothing registered with my name and date during that time.
|
| 03/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company, Phoenix Financial Services, sent me correspondence regarding resolving a debt. I called them, they offered a settlement amount to resolve the entire debt owed, and I paid that amount to them. I have a picture of the transaction of the payment I made to them. This payment was made on XX/XX/2019. I recently checked my credit report, and the same debt they agreed would be resolved had not been cleared off my credit report, and worse the balance was still the original balance, so the money I paid Phoenix was not even taken off my balance at the very least.
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original collection agency was XXXX XXXX XXXX, Creditor was XXXX XXXX this was paid in full inXX/XX/2018 in XX/XX/2018 it looks like it was sold Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I have disputed this with credit agencies with no out come. I have even submitted a copy of the letter from XXXX XXXX XXXX showing it as paid in full. There are 2 amounts that phoenix is requesting payment for and they both for the same date but different amount. One amount is for {$610.00} and the other is {$910.00}.
I would like this resolved asap.
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On or about XX/XX/2021, XXXX XXXX XXXX received a via certified mail, a notice that an alleged creditor PHOENIX FINANCIAL SERVICES did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent PHOENIX FINANCIAL SERVICES the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.
|
| 08/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They keep calling me and every time I answer they say they have no record of me. They have illegally altered the service dates on my credit report and have refused to send me proof of the debt via mail. I can not even get my account number from them to follow up. They have ignored my contesting of the debt validity and ignored my attempts to fix the issue. I have sent in disputes and it just returns the same with no further proof of the debt.
The name of the company is as follows : Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXX ( XXXX ) XXXX
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 04/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a bill dated XX/XX/20 from Phoenix Financial Services for XXXX. I immediately contacted them and let them know that this was a part of a fraud account with XXXX XXXX and that I had police reports for this theft. I also contacted XXXX XXXX to have them contact : Phoenix Financial Services to let them know that the debt was not mine. After a few weeks I noticed the debt still appeared on my credit report. I immediately contacted them again and asked this be taken off my credit report asap. they said they could not and I have been getting the run around.
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX of Texas had this account and has sold it to different companies apparently, because once we completed our bankruptcy successfully in 2017, Phoenix Financial Services started harassing us and they said that this bill had passed its limitations but we could still settle the debt!! I informed them that we paid all our debts through the bankruptcy but they said they wouldnt contact us anymore!! They still put this on our credit once and we gave them our bankruptcy attorneys information as well!! The company name is a collection agency Phoenix Financial XXXX
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The company Phoenix Financial Services LLC is reporting two collections on my credit report and after submitting several documentation proving that both of the medical balances have either been cleared or on a monthly payment plan arrangement they have not removed the derogatory marks from my report. I have received numerous calls from their company harassing me and even after I blocked their number they use other numbers to contact me. After being harassed by them so many times I decided to change my number which caused me to loose clients and lose money.
|
| 10/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Phoenix Financial Services makes repeated calls to my cell, does not leave a message, only lets it ring maybe two times and hangs up. When I finally got the chance to answer a guy named XXXX didn't read the mini miranda just went right in to threating me to pay a medical debt I wasn't aware I even owed. Then when I asked for documentation he told me that we are way passed that point and I need to get real about paying my debt. When I asked to resubmit it to my insurance company which I've maintained for over 5 years now he threated me about paying again.
|
| 01/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX charge.
|
| 04/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I keep receiving phone calls and notices that I owe a debt from Phoenix Financial Services for the date of XX/XX/XXXX and XX/XX/XXXX for the amount of $ 900.00+.from a doctor at XXXX XXXX XXXX XXXX TX . I called the hospital who had no info, but said it would have come from XXXX XXXX, they gave me the number to call XXXX. I called and that number and spoke to someone there that said my balance was XXXX. That my insurance had paid and that I did not owe any money. My balance was XXXX.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX DOB XX/XX/XXXX.
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2019 I contacted the PHOENIX FINANCIAL SERVICES LLC regarding the debt of {$280.00} that I owed. I paid {$120.00} and at the end of the conversation I was told that the debt was settled and paid in full. When I asked how long it would take to be updated I was told it would be removed from my credit report no later than XX/XX/2019. It has been nearly two months and it has not been removed from my credit report and it is still listed as an active account when it was paid in full in XX/XX/2019. The confirmation number for this transaction is XXXX.
|
| 04/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt was for ambulance services on XX/XX/XXXX. I was notified of this by collection agency, Phoenix Financial services on XX/XX/XXXX. I was never billed by the original creditor, XXXX XXXX XXXX and all other providers were paid by my insurance. I verified with an attorney that the statute of limitations has expired. I notified Phoenix Financial, as well as the 3 credit bureaus, as this is now on my credit report. I also notified the CA Attorney Generals office, as Phoenix Financial states in their disclosure that their license is pending in California.
|
| 01/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
so i filed a identity theft report with the ftc and i printed the documents and sent the to this company and its been over 2 weeks. i told them it wasnt mine and even included in the letter that someone was in jail for stealing my identity and even the persons full name and jail they are currently in. i dont know what else to do because the police in the case called me and told me what happened and told me the lady had charges in my name as well and i should look at my credit report because she had credit cards with my name. please help me with this.
|
| 12/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
While working on a mortgage, I was notified by my bank that my credit score was being impacted by a medical bill debt. Upon contacting XXXX XXXX XXXX they provided me with details about the debt. It was from a charge stemming from someone with a different name and address who used my social security number. I filed a notice on Identitytheft.gov and sent them a certified letter disputing the debt on XX/XX/2019. Rather than addressing this issue the company then sold my debt to Phoenix Financial services who is now trying to get payment for this debt.
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ON XX/XX/XXXX a dispute letter of request for validation of debt was to Phoenix Financial was placed in the mail. It has been over a month and the collector has yet to remove the collection from my credit reports. I plan to send a follow up of this request again tomorrow XX/XX/2021 in attempts to resolve this matter with them.
Phoenix Financial has a different address listed on their website than what the XXXX has. I will attempt to send the letter to that address in order to have this matter rectified, prior to your investigation being complete.
|
| 01/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have three accounts from Pheonix Financial services for {$770.00}, {$190.00} and {$150.00} ; all originally credited from XXXX XXXX 's XXXX.
The account, along with the other two associated accounts, should've been closed a year ago on account of insurance paying the account in full. The fact that these collections are still on my record, after discussing with an agent that the accounts were closed, shows the fraudulent behavior of these accounts and the company administering them that is unless this is a mistake that has yet to be resolved.
|
| 03/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Phoenix Financial is in violation of the FDCPA and I am requesting that this account is deleted from my credit reports!
|
| 08/31/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services is attempting to collect on a debt for XXXX XXXX XXXX XXXX. However XXXX XXXX XXXX XXXX as well as Phoenix Financial Services has refused to provide me with proof of the Debt. I was not living in XXXX on the date of service in questions and was not seen at any of the XXXX XXXX. I requested for them to provide me a copy of any documents the individual presented when they signed into the hospital or anything that was present that proves this was me or my debt. They have refused. They are attempting to collect for XXXX
|
| 12/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Phoenix Financial Services LLC is currently reporting an account to my credit report in error claiming that I owe a balance of {$410.00}. I have spoken with someone who advised that I try to work this out with the creditor before pursuing a legal route. I have sent many letters to this company in regards to this mark on my credit. I have not received anything stating what this is for. I have no recollection of owing this balance for anything. I would like for this to be removed from my credit before obtaining a lawyer to pursue the legal route.
|
| 08/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The debt collection agency is Phoenix Financials Services. The debt collector had previously removed accounts due to insurance paying them. They have re-inserted two files back onto my credit report. They did not notify me at all regarding these re-inserts. The original dates of services from the hospital for these two disputes are XX/XX/XXXX and XX/XX/XXXX. I had Medicaid at the time of services for both. One account is for the amount of {$360.00} and the other account is for the amount of {$390.00}. I have filed disputes with XXXX and XXXX.
|
| 02/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
this ( phoenix financial services llc ) company recently added a collections to my credit report for a hospital debt from 2013 ( 7 years ago ) and showed it as a new debt. this dropped my credit score 20 points. I disputed this debt with the credit bureaus and it was removed. they then re added this debt this same debt to my credit report dropping it another 20 points. they are constantly calling me and harassing me stating they'll keep re reporting it to all major credit bureaus until I make some kind of payment. they are rude and relentless
|
| 09/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
As of XX/XX/19, I have received notification of a hard inquiry on my credit report from a Phoenix Financial about a medical debt collection. I have no collections out for any medical bill, which was proven after I called every medical related billing department in my knowledge and they confirmed all have been paid in full and not sent to collections. I want this off my credit fr report.
Also I have received about 30 calls just yesterday ( now blocked by XXXX XXXX XXXX ) from an XXXX XXXX to collect on a medical bill that also does not exist.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Phoenix Financial Services on XX/XX/2019 about an alleged debt. The alleged debt was in the amount of {$500.00}. The original creditor is XXXX XXXX XXXX XXXX. The current creditor is XXXX XXXX XXXX. I responded to PFS via letter requesting verification of the alleged debt. My letter was mail to PFS on XX/XX/2019. I received a response from Phoenix Financial Services on XX/XX/2019. The response did not include sufficient verification of the alleged debt. Also the response was outside of the 30 day response window.
|
| 12/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$1600.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. I received a bill in the mail on XX/XX/XXXX. I requested debt validation. In response, I was sent a bill, not documents showing my signature or anything. If can't VALIDATE the debt then it needs to be removed from my credit report.
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with Phoenix Financial XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows Phoenix Financial service opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!
|
| 03/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, XXXX XXXX, recently received a collection letter from PHOENIX FINANCIAL SERVICES, trying to collect on an alleged debt that does not belong to me, I do not know anything about this debt, I have no idea how I could be receiving this if I never had anything to do with it. I depose and say I have ascertained all the facts and have no other reason but to believe that I am a victim of Identity Theft. The below account that does not belong to me : PHOENIX FINANCIAL SERVICES with an alleged REFERENCE # : XXXX alleged balance of {$2000.00}.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
|
| 03/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix financial claims that I have a bill of {$430.00} in there office from a medical bill in XXXX I tried disputing this account on XX/XX/XXXX but it came back as verified from all XXXX bureaus with no verifiable documents supporting their claim. I have submitted a debt validation letter also and didnt receive a response. There saying I owe this debt but they dont supply the proper documents. This account has put a tremendous amount of hurt on my credit report hindering me from obtaining credit products from certain institutions.
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The letter states that I had an ambulance ride on XX/XX/2013. I have never been in an ambulance in my entire life. I asked the company Phoenix Financial Services where this individual was taken from ( address ), where they were taken ( address ), what time of day, provide other information that was given to the individuals other than a name and date of birth ( such as social security number, race, age ... ) and other information which they could not provide. I feel as if this is a scam and they are just trying to get me to pay money.
|
| 09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and Phoenix ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed a collections account on my credit reports from : PHOENIX FINANCIAL SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX XXXX. I have never used a service from anyone associated with the alleged creditors. The amount listed is {$2000.00}. I do not owe anyone {$2000.00}. I have not received any correspondence relating to such a debt and would request any documentation with my signature from XXXX XXXX XXXX XXXX XXXX relating to the alleged {$2000.00} debt, otherwise, I wish for this debt to be removed from my credit report.
|
| 10/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$82.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX of 2021 Phoenix Financial Services violated my rights and damaged my credit report by insinuating I owe them {$1100.00} without my permission or written consent.
I attempted to dispute the items on multiple occasions, yet they verified the information was correct which continued to damage my credit report and score.
According to 15 U.S. Code 1681 Section 602a 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
|
| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial service on XXXX XXXX NY, NY says that I have a derogatory account with them for {$460.00} and theyre a debt collection agency. I was told that it was for a XXXX XXXX XXXX XXXX in XXXX, GA for an ER visit XX/XX/2016. I didnt recall and called the hospital myself and the operator told me that there was no record of me in the system. This derogatory account is affecting my credit negatively. After the call to the hospital, I called Phoenix Financial Service back and no one would stay on the line and hung up on me.
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.
Collection Creditor : Phnx Finan / PHOENIX FINANCIAL SERVICES LLC Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
|
| 01/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
XXXX Calls my phone and says has lower interest rates available for me on my credit card. I have hung up on several times but called back today and person who answered said was a private number XX/XX/XXXX XXXX called 2 times XX/XX/XXXX When you call back says number not in service XXXX call rejected when try to return call called 4 x XXXX XXXX XXXX called XX/XX/XXXX If you call number says not working number XXXX called 2 x on XX/XX/XXXX called 1 on XX/XX/XXXX XXXX Phoenix Financial called 2 x XX/XX/XXXX called 2 x XX/XX/XXXX
|
| 10/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved a letter in the XXXX mail saying that I owed {$1400.00} to Phoenix Financial Services ( XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX ). Debt Collector on behalf of XXXX XXXX XXXX XXXX XXXX. It says date of service was rendered on XX/XX/19. phone : XXXX I have never heard of this physician and live in XXXX, TN. I did not go to doctor in XXXX and also I have done some internet investigation on this company and it seems that this is repeatedly happening to many people. Many complaints of fraudulent charges just like mine.
|
| 01/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Phoenix Financial has repeatedly called and harassed me via phone. They call from a XXXX number no less than 4 times a day, without leaving a voicemail. I first received a " bill '' from this company on XXXX XXXX, 2017 on behalf of XXXX for a debt that XXXX themselves cleared with the original debt with both myself and the initial debtor, XXXX XXXX XXXX. Ii contacted the company with this information as well as supplied sufficient information, yet the calls have continued as well as placing a fraudulent claim on my credit.
|
| 07/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XX/XX/XXXX which it isnt. These are from XX/XX/XXXX-XX/XX/XXXXwhen I was a minor. They just recently maid something to my house about this debt as if the phone calls werent enough.
|
| 09/09/2017 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.
|
| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything.
Have receipt off hospital Pictures of medical And bankruptcy That's phoenix financial services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Pictures available
|
| 03/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt was not not billed accurately by originator of debt thru medical biling error. This debt is also older then 7 yrs and was never reported correctly. This collection company that bought this old debt is now falsely reporting this debt as if it is recent showing XX/XX/2019 which is not true. I have had no contact with this company and it should provide the correct date of orig. billing collection at the very least which reflects orig date which should be date the the Physicans office that I had the dispute with.
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I received a letter on XX/XX/XXXX from Phoenix Financial Service claiming I owe a medical debt of {$1200.00} from a service from XX/XX/XXXX. The service being referred to was paid for by my medical insurance in either XXXX or XXXX. Phoenix Financial Services is stating they are trying to collect a debit that you owe to XXXX XXXX XXXX XXXX. In the letter, it states if I pay within XXXX XXXX XXXX XXXX, I only have to pay {$890.00}. I do not owe any amount of this debt. This debt was paid in full by my medical insurance.
|
| 07/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.
Delete this account immediately, unless you want to be held {$1000.00} per violation
|
| 04/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. Phoenix Financial Services, LLC listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the 2015 legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.
|
| 04/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix financial service acct # XXXX is trying to collect a debt on an ambulance bill. I was asking for more information like an original bill and for a breakdown of the charges. After I wrote them a letter on XX/XX/2019 asking for information, they reported me to the credit bureau on XX/XX/2019 which brought down my credit score. I feel like this is retaliation and plus the last time I was in an ambulance, I had Obamacare. Can I get a copy of the original billed with a breakdown of charges mailed to me? Thank you.
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I owed a hospital bill and it was sent to collection. The collection company was Phoenix Financial. They offered me a settlement amount and I paid that in full. The debt is still showing up on my credit report. I have filed a dispute and it came back the account was accurate. I have called Phoenix Financial on three separate occasions and every time they say the account should have been closed, they will get it done, and sent me a letter. They have never closed the account out and I have never received the letter.
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Debt to Phoenix Financial Services is inaccurate and the ORIGINAL CREDITOR XXXX XXXX XXXX XXXX Hospital Acknowledged on XX/XX/2021 that the debt was paid in full by the updated insurance carrier that was effective at the time. XXXX XXXX XXXX received a full payment of the bill that was improperly billed by their staff on XX/XX/2021. I brought the information to to debt collector and the credit bureau and they are stating a debt is still owed when there is a {$0.00} balance for the date of service in question.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I truly have no idea what these claims are on my credit report I know I have unpaid hospital bills and 1 car repossessed but that is it.There is a claim as of XXXX and XXXX when I know I haven't accumulated I have medical insurance now and have for past couple years.I was Young and didn't understand the importance of my credit but I now know just can't figure out how to fix it no one will help me because of my credit score related to a bunch of negative inquiries that I have no idea what it is please someone help
|
| 12/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.
|
| 10/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Repeated calls from Phoenix Financial Services regarding a debt that was previously disputed, removed, then resubmitted by another agency. The other agency ( XXXX XXXX XXXX ) apparently handed it back to Phoenix Financial which has resubmitted it yet again. This has been ongoing and detrimental to my credit. The previous complaint which includes documentation of the previous removal of the debt from my report was # XXXX filed on XX/XX/21. It was reviewed and closed following the company 's review on XX/XX/21.
|
| 05/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial was contacted regarding a medical debt on my credit report. I am uploading a copy of the letter that I mailed to them. Also proof that they did receive my letter. They have failed to provide me with proof of this debt. They have violated my HIPPA right s because I have not provided them my consent to pull my medical file. I have enclosed what I received from them. This is not proper documentation for validation of debt. I have reported them to the proper department for violation of my rights.
|
| 04/14/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have Disputed this account since it came on my report XX/XX/2017. I am not the owner of this account. I even called and they said I would have to file a police report to have the collection removed. This is really hurting my credit. I am a teacher and I can not have false collection on my report.
PHOENIX FINANCIAL SERV Outcome : Updated - The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.
|
| 12/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt collection reported a debt for {$1400.00}. I disputed the debt in XX/XX/XXXX and it was found to be accurate, with no proof. The company then changed the account open date to XX/XX/XXXX. This is completely fabricated. They have refused to respond to my attempts to get proof of this debt, including the date. This company changes the open dates on accounts to keep them from reaching the 7 years. My credit score dropped XXXX points in one day when they falsely changed the open date to be more recent.
|
| 10/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.
|
| 08/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.
|
| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company Phoenix financial, first called my family. Then they called me and requested social security number by phone. I dont acknowledge this debt and if I did do not have the money to pay it. The guy said they would no longer call. Today, a lady calls from two different numbers with my area code so I would answer the number. I tell her I dont acknowledge the debt, and her response was okay we will post it on your credit ( threat ). Oh by the way, I have never received written notification of the debt.
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved mail dated XX/XX/XXXX from Phoenix Finacial Services attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$1200.00} for Date of Service XX/XX/XXXX,. I am not familiar with the debtor on any Date of Service rendered by XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXXXXXX XXXX XXXX after finding them online. They indicated that there was no account under my name with my date of birth. They also indicated that they do not work with Phoenix for debt collection.
|
| 02/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
My credit report currently shows account # XXXX from Phoenix Financial Serv for the amount of {$1800.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
|
| 03/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent 3 debt validation letters to the company that i am attaching to complaint. This company hasn't provided the requested information for the debt they are stating is owed to them. This company is violating HIPPA laws as well as the Fair Debt collection act. Letters were sent in XXXX, XXXX, and XXXX. i received one letter from the company with a total of the alleged debt that they would request for this information to be removed however ; it is still reporting as open on my XXXX credit report.
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I received a letter from Phoenix financial services about debt that was written off by the hospital in XX/XX/2020. I have told them it was written off but they still want proof after XXXX of no bills or calls if the health care providers I received a debt letter saying I still owed money. They say I own them XXXX when none of my bills list the accounts they are trying to collect from. They bought my debt from another company as well. I had no medical insurance and it was at the start of the pandemic.
|
| 11/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have not seen any doctor in the entire year of 2019. I have been in perfect health. I have never been to any of the locations of XXXX XXXX XXXX. This is not my medical bill. They have the wrong XXXX XXXX or someone used my information. I was a victim of the XXXX breach. I will not pay this bill and it is the only negative info on my credit reports because I pay my bills and have 100 % on time payments of my accounts. If this company does not remove this ASAP I will file civil action with no delay.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
According to my most recent credit report there is a new negative remark from Phoenix Financial Services. This is an old account paid off in 2019. There should not be any collection of a debt that is settled. I tried to dispute this as this is an error from XXXX as they were the firm with power of attorney that settled it. XXXX did nothing to resolve this issue. Please see attached documents for proof of settlement and please remove the negative judgement that is unfairly placed in my credit report.
|
| 12/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Phoenix Financial Services is reporting a fraudulent account XXXX that is ruining my credit. I have already filed a complaint which was answered by Phoenix Financial Services stating that no account was found and include the account # and my social. The last four of my social security number is XXXX and account number is XXXX as it is showing on my XXXX credit report. This account is not mine and I disputed this same account under a different collection agency in XXXX and it was blocked and deleted.
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid debt with a collection company known as XXXX XXXX XXXX was paid on XX/XX/2020. Account was still sold to a different collection company known as phoenix financial services claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but phoenix financial services still claim their information is accurate when it is not.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have never done business with Phoenix Financial and do not have any agreements with them. I have thoroughly reviewed my credit report and have discovered the presence of a collection account in which I am questioning and have issues with.This account is inaccurate and does not pertain to any debts or obligations that I am responsible for. Please see the attached that supports my issue with this debt collector who has access my credit file without notification or permission.This is identity theft.
|
| 10/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About XXXX months ago, I was in the process of purchasing an automobile and up pops this collection account on my credit report. Because I was denied the car loan, I immediately contacted my Attorney to explain to him what happened and he told me to contact Consumer Finance. Gov. to file a complaint. This is not my debt and if it's not removed immediately, my Attorney and I are prepared to file a Law Suit. At this point, much damage has been done but we just want this removed/deleted immediately!!!
|
| 06/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX and continue to harass me and forward my information to debt collection agencies.
|
| 03/23/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called Phoenix financial regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
|
| 06/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'VE CONTACTED PHOENIX FINANCIAL SERVICES TO VERIFY DEBT IN WHICH THEY'RE UNABLE TO BECAUSE OF HIPPA VIOLATIONS WITH THIS BEING AN HOSPITAL ACCT LINKED TO XXXX XXXX XXXX. THIS DEBT LISTED IS A HIPPA VIOLATION IN WHICH THE 3 BUREAUS KEEP REMOVING AN CONTINUE TO PLACE BACK ON MY CREDIT REPORTS WITHOUT ANY WRITTEN CONTACT WITH ME. THIS NEGATIVE DEBT REFLECTS POORLY ON MY CREDIT REPORTS AN THE 3 BUREAUS ARE UNLAWFULLY PLACING HIPPA WITHIN MY CREDIT FILES. PLEASE ASSIST WITH THIS MATTER. THANK YOU
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have two health insurances that pay XXXX of my medical bills.I 've had these insurance companies for more the 10 years one which is straight XXXX medical bills and emergency room visits paid XXXX % and the other is XXXX XXXX XXXX XXXX.I have a XXXX co -pay I do not owe any medical bills to anyone. I DID NOT USE Their services nor do I owe Phoenix Financial any money nor HAVE I EVER used their services I have disputed these medical bills many times and they are still on my credit report...
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX using a creditor called XXXX XXXX XXXX XXXX has contacted me via mail and postal that is saying that I owe a medical debt to a company called XXXX XXXX XXXX that I used a ambulance and XX/XX/2018 and that I owe {$2900.00} and that they will settle for XXXX.
I never used an ambulance I was never went to the hospital so I have no idea what this is about but I have checked this company on the XXXX XXXX XXXX website and they are fraudulent there are many complaints about them.
|
| 06/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been getting nonstop phone calls from this company for the past 6-8 months. I had insurance at the time of service and they did not update it in their system. I have been insured since 2011 with the same insurance. I decided to get onto a payment plan due to the non stop phone calls and harassment. I was also told it would go on my credit report and ruin my score. I have decided to no longer make payments due to their negligence of updating their system and the non stop phone calls.
|
| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
After doing several disputes with XXXX and Phoenix Financial. I am still not getting the investigation that I asked for. By XXXX not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to XXXX and the Creditor asking for validation. The information was completely ignored from creditor Phoenix Financial. Both failed to do an investigation before reporting false information. Phoenix Financial failed to respond several letters.
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX Phoenix financial put this on my credit report when they know they got the money through my employer at the time in XXXX they collected their debt throughout weeks of taking money from my check. This should not be in my credit report or anywhere since it was already paid off. They trying to get double their money. Thats not fair specially when theres a pandemic of Covid-19 and currently Im unemployed and trying to get XXXX. Ive had XXXX insurance for years. Thanks in advance
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial has reported the same account in collections 3 times. It's the same account. I have successfully disputed and had this account removed from my credit before while it was with another debt collector. It isn't mine, and they are not allowed to report the same account multiple times. This violates the FCRA. I have screenshots of multiple credit monitoring companies showing this was reported 3 times within 2 weeks. It dropped my score every time, and the account isn't mine.
|
| 05/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report and noticed two outstanding collections from Phoenix financial service that there is no possible way I could have obtained both are derived emergency XXXX XXXX XXXX XXXX XXXX The first one I would like you to look into is {$560.00} and was originally opened XXXX. The second one I have on there is {$590.00} and as well, false. The reason I could not have acquired these is because u have been an XXXX female at XXXX XXXX, XXXX route XXXX, XXXX pa XXXX from XXXX.
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice on XX/XX/XXXX from Phoenix Fianancial of a balance billing amount of {$110.00} from XXXX XXXX from XX/XX/XXXX. I sent letter dated XX/XX/XXXX disputing to Phoenix Financial. Their notice states if write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. As of today XX/XX/XXXX, have not received anything but today derogatory activity from Phoenix Financial showed up on my XXXX credit report.
|
| 10/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I have never been contacted by or communicated with these two companies : Phoenix Financial Services LLC and XXXX XXXX XXXX. XXXX. I first discovered them while monitoring my credit reports in XX/XX/2022. I immediately sent them a letter disputing their claims. They claim I owe {$1200.00}. This is not accurate. I owe them nothing. I have never received any services from them. I'm a XXXX veteran and receive 100 % of my medical care from the VA and have done so for the past 25 plus years.
|
| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been notified of an alleged outstanding medical debt from three years ago, dated XX/XX/2018. This is impossible, as I had two insurance policies at that time, which covered me at 100 %. The letter has threatened to " report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I dispute the validity of this debt, and I'm sure threatening to ruin my credit for a debt, for which I do not owe, from three years ago, is against my FCRA rights.
|
| 04/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
.I have sent over certified letter asking XXXX to verify this debt they refuse to send me anything regarding this matter or debt. I have sent numerous letters to XXXX to let them know that they did not verify this debt, they are misrepresenting verifying this debt because I have not been able to locate anyone. XXXX are stating that they verfied but that is not accurate. Under the FCRA they are suppose to validate this debt which they refuse to tell me how they have verified this debt.
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
|
| 11/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any medical services. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.
|
| 03/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICE has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received correspondence that I owed XXXX in XXXX. They suggested that this was seriously past due. I moved to XXXX in XX/XX/2015. The letter that was sent stated that the account was opened earlier than that. I have not contacted them due to fthe fact that I do not owe this debt, and this is not my account. I would like for them to present information that aligns with their claim. Also even if this account was opened in 2015 it is well past the statue to be on my credit report.
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
A company, Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Indiana XXXX, sent me a bill that they claim is from another company from XX/XX/16. I have never hear of the current creditor, XXXX XXXX XXXX, or the original creditor, XXXX XXXX XXXX. They say they can not sue me because of the age of the bill but they threaten to ruin my credit rating. They also say I can pay a reduced amount if I answer quickly. I think this is a scam.
Thank you, Sincerely, XXXX XXXX
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Called and said they were first with a Phoenix Financial. Then said XXXXXXXX XXXX XXXXXXXX County. I declined to give them my personal info nd birthday, they said this was an official matter from the doctors group then after refusing again to give my info knowing it is a scam they said have a nice day and hun up. I called the number back, they said thank you for calling back on a calling line is this a XXXX XXXX. Again not me and suspicious and I said I was reporting the number.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company is trying to collect debt for medical bills from 2013. This debt is currently also being collected on behalf of another collection agency as well. From my understanding, 2 collection agencies can not collect for the same debt at the same time. Also, I received calls from this company 3 times within 1 hour today which I consider harassment, especially if youre not going to leave a voicemail and then when I do call back, I am hung up on by one of your representatives.
|
| 09/04/2017 |
No |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received notice through credit monitoring that Phoenix financial services reported a debt collection for a medical bill without notifying me of the debt, I have also been recieving numerous phone calls daily from an automated machine, I have recieved threating voicemails saying I am veing sued for this debt, harrasment saying they are coming to my home in 30 minutes to serve me. I have to avoid answering any number I do not recognize now, and now theyre ruining my credit too..
|
| 06/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received attempts to collect a debt via mail that is not mine. The name on the debt is XXXX XXXX ( my name is XXXX ), date of birth does not match mine, and address listed on original debt is not anywhere I have lived. I have asked this company to quit contacting us at this address twice. I filled a cfpb complaint back in XX/XX/2023 and received a response that I would not get any more communications from this company, yet I just got another letter from them, dated XXXX.
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was sent a Letter from a collections agency for a medical bill. I sent them a verification letter and never heard anything back, I assumed it was over and done with. I applied for a car loan and was denied because of low credit, I looked and this collections company put a derogatory mark on my credit for not paying them a debt that I do not owe. I included a picture of the last medical bill I had that was from that year they claim I owe from and it was paid in full years ago.
|
| 05/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Phoenix Financial Services has placed a delinquent account on my credit report that depicts the wrong information. The account XXXX XXXX XXXX XXXX was incurred in XX/XX/XXXXand this collection agency is stating on my crit report it was incurred on XX/XX/XXXX.
This reporting is in error and I ask that the matter be handled accordingly.
Further, I want to verify that legally this account should be removed from my report 7 years from the DATE OF ORIGINAL CHARGE.
Thank you.
|
| 04/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.
|
| 04/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES LLC this company is claiming an collection amount for a past account fromXX/XX/XXXX. on which was pay back.
Phoenix Financial claiming the amount as a new amount from XX/XX/XXXX, when the information is correct as this is a past account from about XXXX years ago. amount that should not be claim for the age of the account as a new balance. the account needs to be remove from the credit report. as its affecting the score with incorrect information.
|
| 07/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX, I went to ER room, and it charged me {$520.00} for the medical check. My insurance company paid {$190.00}, I paid cash {$150.00} and {$150.00} from credit card, and discounted {$27.00}. I have already paid all the money that has no balance left, but I just received a mail from phoenix financial services, showing that I have a debt, with a wrong account number and wrong amount, but with my name on it correctly and told me I need to pay my debt. My name is XXXX XXXX.
|
| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received a notification on my experian credit report that a collection from a " Phoenix Financial Services '' is owed in the amount of {$1900.00}. I've never done business with this company nor do I have any dealings with them. I do not owe them a debt so there is no reason this should be on my credit report. They do not have any contractual obligation from me because they would be able to provide my wet signature. This is not in accordance with the FCRA regulations.
|
| 01/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws.
Thank you.
XXXX XXXX XXXX XXXX
|
| 10/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
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.
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello. I am filing a complaint because Phoenix Financial Serv has been invoicing {$980.00} medical bills for several months now. I have no medical debt of {$980.00}. My son called and explained to them, but a month later they issued this invoice again. I am a XXXX patient and XXXX XXXX XXXX person. They're just kidding me. Every experience I have is very costly as the pressure will rise. All my medical bills were paid by " XXXX ''. Please help me figure it out. Thank you.
|
| 01/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. XXXX XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXXPhoenix Financial Services has failed to respond. These charges are fraudulent, I am a victim of identity theft.
|
| 01/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX They reported the collection amount of {$1300.00} to my social security now my credit score is low, now I talked with the financial services of XXXX XXXX XXXX XXXX XXXX MD, His name is XXXX phone number is XXXX and I applied for Finacial Aid and I was APPROVED with 100 % discount and I shouldn't owe anything. So I want all the collection in my credit score to be dispute because this is unfair.
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX I submitted a complaint with the company inquiring validity of the debt, I have not been contacted since. The debt that they are saying I owe is dated back 7yrs ago. I believe my information has been compromised and has been purchased by this company to obtain money from me. This company is making fraudulent claims that I owe a debt that does not exist. In addition I researched this company and they have an extensive number of complaints relating to my matter.
|
| 02/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account PHOENIX FINANCIAL SERVICES LLC Opened Date XX/XX/ 2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PHOENIX FINANCIAL SERVICES LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 08/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received a letter dated XX/XX/XXXX from Phoenix Financial XXXX XXXX XXXX, IN seeking to collect {$69.00} from me for services rendered back on XX/XX/XXXX - almost 10 years ago. I had paid my medical bill in full. This issue also past the statute of limitations for medical bills in XXXX Phoenix was told to cease and desist this practice back in XXXX, but continues to try top take advantage of senior citizens. Thank you for your work to combat these deceitful practices!
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am one of two people with the same name who were born in XXXX, Texas a few years apart, and both lived in XXXX XXXX at the same time. From time to time debt collectors contact me ( or my employer ) regarding this person 's bills. This has happened before with XXXX debt as well. The other person is a XXXX and I'm furious that I now have a collection report on my otherwise pristine credit report. I'm furious that they didn't verify my identity before ruining my credit.
|
| 10/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On my credit report, XX/XX/XXXX a account was open in my name for the amount of {$340.00}, I call the crediting company and collection and they said they have no account on theyre system, The same for a account with XXXX XXXX XXXX XXXX, Two Accounts were opened, I have no Knowledge of and nether does the creditors or collections have anything on their systems on XX/XX/XXXX the accounts were opened for the amount of {$720.00} and {$800.00} ( I was XXXX on that date )
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account with company SEVERAL Times. This same account was removed from my credit reports on XX/XX/XXXX and XX/XX/XXXX. This company has yet again put this inaccurate and unverified account back on my credit report When I called the customer service rep was very nasty and rude and also told me the account was not coming up under my social security number. This collection agency needs to be banned from doing business because their tactics are illegal.
|
| 06/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
|
| 02/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
While viewing my current credit report I noticed that there was a collection form Phoenix Financial Services regarding a medical bill. I have no knowledge of any medical bills. Please validate the accuracy and that the account is mine under FCRA guidelines. Including my signature and/or how you came up with the amount of {$1100.00}. All communication is to be through this website only. do not call email fax text or mail me. Please upload documents to this website only.
|
| 03/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice on my credit report for debt owed from Phoenix Financial Services. I called the company who is handling the debt. They started to read off dates and amounts, telling me they were " medical bills ''. I asked for written information on the debt owed, dates and who they were owed to. The guy informed me all he had to do was legally tell me how much was owed, he didn't have to tell me who it was owed to. He told me to call my insurance company to ask.
|
| 04/30/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a request for validation to PHOENIX FINANCIAL SERVICE for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
|
| 12/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried numerous times to resolve this issue with this company directly and indirectly over the past few months with no results. I do not know this company nor have i ever did business with them i have asked numerous times for any written or electronic agreement between myself and them or any of there affiliates now im doing the same thing all over again I dont know this company nor have i ever signed a contract or agreement with them or any of there affiliates
|
| 09/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with PHOENIX FINANCIAL SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with PHOENIX FINANCIAL SERVICES LLC.
Also per State of Florida XXXX XXXX XXXX XXXX you must be licensed and bonded in the state of Florida to collect.
Please see attachment showing this company is not licensed nor bonded in Florida.
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I Have Sent two ( 2 ) Letters requesting validation of debt of FULL accounting of Debit. XX/XX/XXXX & XX/XX/XXXX with NO response I also requested copies of ANY signature Agreements with Phoenix Financial service or XXXX XXXX XXXX - as I do not know either of these firms Nor have I incur any contact with them before. Now As of XXXX they have a statement that state I owe them {$1400.00} - I don't Even KNOW who this Company is- It Shows On my Credit Bureaus as well.
|
| 09/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A collections account was opened up in my name On XX/XX/XXXX Regarding an XXXX XXXX that occurred on XX/XX/XXXX. I had a personal injury attorney settle all my medical costs through insurance and received a settlement check with all the amounts paid off. I have tried countless times to contact and open disputes with this company to get it removed and it has still stayed on the credit report of my XXXX. I had it removed on XXXX but they will not remove it from XXXX.
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
* PHOENIX FINANCIAL SERVICES LLC, Continues to attempt to collect a debt from the consumer XXXX : XXXX via the mail on XXXXand numerous other times causing severe pain and sufferings and, violating Consumer Federal Law : *15 U.S. Code 1692c, Communication in connection with debt collection *15 U.S. Code 1692j - Furnishing certain deceptive forms , - on three different dates.
*15 U.S. Code 1692e.False or misleading representations *15 U.S. Code 1692d - XXXX or XXXX
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXXXXXX {$190.00} Collection opened XX/XX/2021 I explained to the company that I have been a victim of identity theft and it has been an on going issue with someone using my identity to apply for loans, credit cards, etc., the company was rude, I provided the company with proof of identity theft and every time I call to get the matter resolved and request debt validation, the representatives hang up in my face.
|
| 02/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency XXXX and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair
|
| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a letter in the mail from Phoenix Financial Services saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my XXXX in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
|
| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In the beginning of XXXX I called the company phonetic financial services and was told that this debt was from XXXX I was not living in Florida in XXXX so I have no idea what this bill is from. I have absolutely no knowledge of this account and would appreciate it being moved. Im addition I feel it is a hippa violation and embarrassing to have this on my credit report.
I have no idea what the charges are for and was never notified. I fear this may be fraud.
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received a letter from Phoenix Financial Services stating that I owe {$820.00}. That same day, I sent out a request to provide proof of debt owned, with my signature and details.
On XX/XX/XXXX, I received another letter, without any information I requested.
On XX/XX/XXXX, I received yet another letter from XXXX XXXX XXXX with some cryptic CRT Code/Modifier and the date of XX/XX/XXXX. Once again, no explanation and no proof of debt owed.
|
| 09/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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There is a collection item on my credit report from Phoenix Financial Services with the original creditor being : XXXX XXXX XXXX the alleged balance is : {$1200.00} I am unaware of this account. I never received a notice from PFS regarding this alleged account nor was I given the right to dispute or request validation / verification of the debt pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act
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| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
|
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This is an old record from 2015. The original company XXXX could never show me that this was my bill. I have been contesting that this is fraud for the last 6 years. Then 8 months ago they finally took it off my credit report, only to have it reappear from a company by the name XXXX. This bill for {$1400.00} is NOT mine. Can you please help me to get this resolved! Both companies are slurring my good name and I am so tired of fighting this. Please help!!!
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Phoenix Financial Services sent me a letter to collect a debt I do not owe. I don't have any accounts that are due other than what's on my credit report. I tried to file a police report but the police department said they can not help me. I am a victim of identity theft so Phoenix Financial Services may have obtained my information that way. I filed a dispute with XXXX because Phoenix Financial Services reported me as delinquent on the debt I don't owe.
|
| 09/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Sometime near XXXX of XXXX XXXX XXXX claimed I owed a debt which should have been paid by my insurance. I attempted to reconcile this debt and it was removed from my credit report. Now I have 3 items on my credit report from Phoenix Financial Services that claims the original debt is from XXXX XXXX started on XX/XX/XXXX. I have not used XXXX XXXX 's service since XXXX of XXXX. They also claim I owe three different balances of {$830.00}, XXXX, and XXXX.
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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I received a call form Pheonix Financial Services in regards to an account that I had not knowledge of. I explained that it must have been a mistake and to send me and documents they had about the matter. Eventually I got a statement in the mail and that was it. I've sent letters certified mail and my requests have not been adhered to and ignored. They have now reported this to the credit bureaus which has caused my credit score to drop significantly.
|
| 08/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Account Details Last Reported XX/XX/2018 Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Placed for collection Creditor Contact Details PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I thought my insurance paid. I never heard anything until I received an alert from XXXX XXXX.
|
| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
This morning I was notified that an account previously held by XXXX XXXX and had been closed and settled yet this collection agency is attempting to collect for the same and already closed account. Not to mention that the account was already found to be unjust through CFPB!
Phoenix Financial services has breached my rights by attempting to collect an already settled account!
Below Is the already settled account that they are attempting to collect.
|
| 07/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX I noticed a new collection listing on my credit report in the amount of {$960.00}. This debt collection was being reported by Phoenix Financial Systems and I had no knowledge of this account. I sent Phoenix Financial Services a Debt Validation letter by certified mail. I have yet to receive any type of response from the company. My tracking number with United States Postal service shows this letter being received on XX/XX/XXXX at XXXX.
|
| 03/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.
|
| 06/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received notification from my credit monitoring service that a collection was added to my public credit profile. I was never notified by the collection company. I called the collection company using the number I received from my monitoring service and spoke to someone. I informed told them the information they was incorrect and to send me proof of what they had. This is an attempt to highjack my credit to extort money from me.
Please investigate.
|
| 05/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
When calling the company, I spoke to XXXX XXXX and he refused to advise what company he was associated with along with advising if he was a collector with a collections agency. When he refused to acknowledge that he was a collector he hung up on me. I called back and after 3 times of calling back, someone finally answered without hanging up. I advised to the company that I would be filing a complaint with the CFPB. No one mini Mirandized me either.
|
| 03/27/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I requested this company provide me with sufficient documentation to support this debt indeed being mine. I requested a copy of all documents ( invoices, summary of receipts, payments, etc. ) The company sent the attached document which is a mere form sent to my insurance company. I have never did any business with this company nor have I ever heard of them. This item is erroneous and should not be reported on my credit report.
Delete immediately.
|
| 08/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a letter by Phoenix Financial, in which they were seeking payment for a medical debt that I do not owe. After I asked for proof of the debt 's validity, I received a response from the creditor confirming the debt. However, the verification letter contained numerous inaccuracies, including errors in my date of birth, address, phone number, and other details. This debt does not belong to me, and I am not the individual responsible for it.
|
| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received a phone call from an unknown party, they claimed to be debt collectors.
They attempted to extract the last 4 digits of my SSN and my date of birth. They claimed I have an ambulance bill from 2015. I have not been in the hospital nor have I used the ambulance that year. The phone number indicated on the caller ID is XXXX They wanted me to " settle '' the debt, I assume their next step was to extract a debit or a credit card info.
|
| 01/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i swnt the company letter asking them to verify the accuracy of the account and to sen me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.
|
| 08/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Phoenix Financial Services keeps calling me to pay them an added amount to the debt I have already paid to the debt originator, XXXX of XXXX XXXX XXXX.
XXXX has posted a XXXX balance on my debt but XXXX wants me to pay them the balance of XXXX $ to them, a different amount than the original debt.
I sent XXXX a copy of the closed account from XXXX by email, which they requested but they still keep calling for a payment of a " new '' amount.
|
| 01/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The medical collection was put on my report, erroneously. I have always disputed the information AND how can the collection agency verify the accuracy of the account without violating the HIPAA Privacy Act? Additionally, it appears to be listed as an " Unknown '' or " Unnamed '' collection on both my XXXX and XXXX report but the same amount and what seems to be the same account number shows up on my XXXX report as Phoenix Financial Services.
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Phoenix financial has recently put old accounts which were removed from credit report from another collected back on my account.
I provided multiple documents and the companies verified for my visits having XXXX XXXX. The XXXX and XXXX agreed to remove and waive the debts due to inability to pay and my having XXXX XXXX at the time.
Not sure how they have them now but the original creditors already removed them.
Can easily call and verify
|
| 02/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 08/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I attempted to dispute a collection on my account from XX/XX/XXXX, on XX/XX/XXXX as not my responsibility. I never received a notice of a balance and when disputing the collector, they sent me a " proof of responsibility '' with my name, address, diagnosis codes and insurance company from my medical visit which is protected information under HIPAA. They took 3 years to send this to me. On my credit it says it was only added in XXXX of XXXX.
|
| 01/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.
|
| 08/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Phoenix Financial Services is trying to collect on a medical bill that was already written off through FREE CARE from the XXXX Physicians office. They failed to remove this collection from my credit report even though they have in their possession the letter provided from the actual provider 's office and the office stated they have informed Pheonix finanacial services that they have updated their records to reflect that nothing is owed.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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On XX/XX/2020 : Phoenix Financial Services Inc has reported to all three of my credit reports for a bill totaling {$76.00} This debt does not belong to me, I have not been to a hospital in 7 Years. This debt again does not belong to me. So I am asking Phoenix Financial Services to remove their trade off all 3 of my credit reports. Or I will have no choice but to hire me a lawyer and make this a legal case.
I am asking for the removal.
|
| 04/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from XXXX XXXX XXXX which i have disputed them so many times with other debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened XXXX on my credit report. i been in Georgia this is crazy.
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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I reported to XXXX that Phoenix Financial services reported on my credit report that I was in the hospital or had services by XXXX XXXX on XX/XX/19 so this year and I have not been in the hospital at all this year nor last. Last time I attended a hospital I had XXXX and all medical bills have been paid. I reported this inaccuracy by XXXX XXXX last year and this was removed from my credit report so I dont know why its on here again.
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received debt collection letter from Phoenix Financial Services LLC XX/XX/2019 concerning a medical debt that was paid. Requested validation and information regarding this alleged debt. XX/XX/2019 and received a billed stated an unpaid balance and a bill indicating procedures and medication.
There is a clear HIPAA violation here without signed release of information and proceeding to report to credit reporting without proper validation
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Submitted a " dispute request '' on XX/XX/2018 concerning Phoenix Financial Service, LLC.
Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations. 3 ) Please remove this creditor for incorrect balance amount account.
On XX/XX/2018 received email update concerning dispute result.
Phoenix Financial Service remains on my credit report.
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
|
This company keeps harassing me telling me my credit will suffer and nobody will lend any money when i need it. They also keep telling me ill regret not paying them. They call and call and call all day and night they dont leave me alone and ive tried to dispute this with XXXX and i dont think they take me serious ... they need to be dealt with i believe because they side with the company as if they know the details of the harassment!
|
| 07/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Phoenix Financial Services has contacted me to collect on medical debt that I do not recognize, that is also from XXXX, far past Oregons statute of limitations of six years on medical debt. I disputed the debt with them, and they provided information based on another credit collection agency, without adequate explanation of what theyre referring to, just a couple of billing codes, and the name XXXX XXXX XXXX . This is all very fishy.
|
| 04/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I recently learned that my personal information was used to open an account or recieve a service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that PHOENIX FINANCIAL absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
|
| 08/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Phoenix financial serv. XXXX XXXX XXXX XXXX is claiming that on XX/XX/XXXX I have a Debt of XXXX dollars for medical services.. I did not have any medical services done to me.. they have charged me for some association doctors cost.. this is not right ... and this is unfair practice ... and this is not me .... the contact information they have provided is XXXX XXXX XXXX XXXX XXXX , IN XXXX.. phone Number XXXX XXXX XXXX XXXX.. thanks
|
| 06/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Phoenix Financial Services is trying to collect on a debt that does not exist. They claim a debt with XXXX XXXX XXXX of XXXX dollars on XXXX XX/XX/XXXX. My health insurance sent them a letter XXXX XX/XX/XXXX stating that the bill was paid and they should remove the collection from my credit report and they refused.. I spoke with XXXX XXXX XXXX on XXXX XX/XX/XXXX and was told I have a XXXX balance on the account and there is no debt
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights.
15 usc 1681 section 602 states I have the right to privacy.
15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 06/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Debt Collector - Phoenix I was alerted today by the XXXX XXXX app that my scored had dropped tremendously, over 35pts to be exact due to a medical collection for XXXX from XXXX XXXX XXXX XXXX that shows it was opened XX/XX/2021. There should be no medical bill issued under my name and further more i have not been contacted about any such debt.
Please have this account removed from all the credit reporting agencies immediately!!!
|
| 06/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i been trying out of good faith t pay two medical bills from phoenix financial service my last payment made on XX/XX/XXXX of XXXX dollars was not applied i have my bank statements and it shows on their website it was recieved yet my balance did not go down, i attempetd to call them evry other day they are very rude and wont help specially the woman floor manager at this point i have my proof papaerwork and have tried doing my part
|
| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I HAPPENED TO LOOK ATT MY CREDIT REPORT AND SAW SEVERAL COLLECTION ACCOUNTS FROM XXXX XXXX XXXX. THEY NEVER SENT ME A NOTIFICATION OR ANYTHING. THEY JUST PUT ALL OF THESE COLLECTIONS ON MY CREDIT. I HAVE NOT GONE TO AN EMERGENCY ROOM IN OVER FOUR YEARS, AND MY INSURANCE PAID IT WITH MY DEDUCTABLE BEING PAID. SOME OF THE ACCOUNTS FROM XXXX XXXX IS DUPLICATED. I SENT FOR VALIDATION IF THE DEBTS AND THEY IGNORE ME AND DO N'T RESPOND
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.15 usc 1681 section602 states I have the right to privacy.
15 USC 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
15 Usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received two unblocked calls from Phoenix Financial Services. I also received several blocked calls on the same day. I dont get that many phone calls in a day and it is strange to have 5 blocked calls in one day. When I called they were looking for a debt from someone else I started to tell them it wasn't me and they hung up on me. I have a screen shoot of the phone calls. The phone number they called from was XXXX XXXX XXXX
|
| 05/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I called the job I worked @ and they got in touch with the insurance co which emailed me yesterday and it stated I was covered under insurance going back to 2017 and the office never submitted the bill for payment. XXXX also stated it is too late to send the bill now for paymentt. I emailed the response over to Phoenix Financial XXXX yesterday. I also called the credit agencies to get it off my report which dropped my score.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reach out to XXXX to check on a new collection on my credit report. They investigated but did not really give me information as to why it met requirements just that it did. It also flag my report again for the same collection and by doing this brought my credit down for a total of over 50 points. I will like help solving this issue. I should not have the one collection flag twice and bring myself credit score down twice.
|
| 06/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am filing a complaint Cause there has been someone using my identity as a result of identity theft. I filed a police report and then Pheonix Financial has started reporting this account after my report.
It is showing the account numbers as XXXX and XXXX. I have never been to the facility is shows nor have I ever beeb medically attended by anyone. The debt is showing the facility is in Florida and I live in Massachusetts
|
| 08/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services I disputed them 2 times through XXXX and it didnt help I call Friday XX/XX/XXXX and the women was very rude and said she cant discuss my concerns with me wont me make a payment and I told her I dont know of going to the doc and told her I dont go to XXXX if I did I need some documents showing my signature or proof and she said no they didnt need to do that and this has really messed my credit up
|
| 07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Phoenix Financial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
|
| 03/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This {$620.00} debt was placed on my credit report XX/XX/XXXX. I have been fighting this debt since XXXX. The companies involved are Phoenix Financial Services and XXXX XXXX XXXX XXXX XXXX they have placed this negative remark on my credit report and I had health insurance through the state of Georgia and there should not be a unpaid medical bill on my behalf. There are two separate negative remarks totaling to {$1200.00}.
|
| 11/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
{$2000.00} they say I owe for medical when I have been getting social security since 2000 ... this is a dilemma that ones pull when me and my wife separate every time they used my credit to destroy my dignity and self XXXX.phoneix financial services ( XXXX ) XXXXthat is the company along with their number.Im XXXX and this is bringing on another XXXX of my XXXX condition. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was from a Workman Comp Injury. This agency keeps putting this on my credit reports damaging my credit. The validation letter they sent CLEARLY states insurancer XXXX XXXX ) Workman Compensation.This has been settled and signed by a judge. Any and all medical debt is the debt of the DEFENDANT. I have attached a copy of the collection and a part of the settlement that clearly states who the debt would belong too.
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have an {$800.00} account in collections on my credit report that I have not made. I have tried to contact the previous collections company but the number was not good and I could never speak to anyone. The current company spoke to me and told me the debt is from an emergency room visit for vomiting for 2017. I do not remember this visit, and I had insurance at that time so I should have no bill. This debt is not mine.
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.The XXXX Credit Bureau is reporting inaccurate information on PHOENIX FINANCIAL SERVIC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 09/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I mailed a certified letter to Phoenix Financial Service on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that two debts that they say I owe, in fact, do belong to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX XXXX, and PHNX FINAN ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Theyre trying to hit me with a {$1400.00} debt collection that is NOT mine. I have disputed it and I dont even know who it is thats trying to collect but I do not owe anyone money much less {$1400.00}. This is crazy please hello its going to destroy my credit Ive been working hard as I possibly can on and its obviously fraud they have no proof it was me that owed this debt because it was not me!
Sincerely, XXXX XXXX
|
| 12/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A fraudulent medical bill that was opened in my name has been sold to another collection agency after the credit bureaus blocked and deleted this account 24-36 months ago. Phoenix Financial Services is reporting a fraudulent {$550.00} account from identity theft. A police report with the XXXX Police Department has been listed within the id theft report and attached to this complaint against Phoenix Financial Services.
|
| 03/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.
|
| 10/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026
|
| 10/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Financial is unlawfully changing the amounts of debts that have been removed from my credit and resold. They are denying that they are inaccurate. I have received two charges of the same debt from them. I called the creditor and the employee told me that XXXX is their client and admittedly verified what I knew. My dispute with the credit reporting agency was denied as well as the my dispute with the company.
|
| 07/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Phoenix financial services has reported on my credit report on XX/XX/2019 and amount of {$230.00}. I have never been seen by anyone associated with this agency called XXXX XXXX. Phoenix financial services has not provided any valid proof of that bill or anything to prove this belongs attached to my credit report. In outbound call to this agency left me on hold for 45 minutes. This account debt does not belong to me.
|
| 05/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXXXXXX XXXX, fl XXXX XXXX XXXX {$740.00} Acount XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX. Fhone XXXX
|
| 02/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.
|
| 12/03/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!
|
| 04/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is reporting to XXXX and XXXX on my consumer credit report that a debt is owed to them. I Have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
|
| 07/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2016 I had already disputed this company ( Phoenix Financial ) regarding the fact the debt wasnt mine. They had 30 days to show proof and failed to do so resulting in this collection legally being removed. Here recently I got a credit report and Phoenix Financial ILLEGALLY reported this account AGAIN. This FALSE collection was already deleted and I want them to abide by the law and disappear for good.
|
| 05/13/2015 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee
|
| 05/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PHOENIX FINANCIAL COLLECTION AGENCY CONTINUE TO VIOLATE " HIPAA '' / MEDICAL PRIVACY ACT, " FDCPA/ FCBA '' WITH REPORTING OUTDATED MEDICAL ACCOUNT XX/XX/XXXX ( 3X ) ON ALL CREDIT FILE " NOT MINE '' / NEVER DONE BUSINESS WITH MEDICAL PROVIDER. ..NOTE : COMPANY CONTINUE HARASSMENT CALLS/ AND MAIL NOTICES OF ACCOUNT NOT COLLECTIBLE, ID FRAUD ACCOUNT AND FORMAL COMPLIANT FILED WITH BBB AND FTC FOR UNFAIR PRACTICES
|
| 11/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is trying to collect on bills ice already paid. They opened a case against me when I have not seen them in over 2 years. Their case was opened on XX/XX/XXXX and my last appointment with them after I paid for my appointments was in XXXX, before I fell off my dads insurance because I'm over 25. I never received any mailing notifications for this debt, they just opened a case against me!
|
| 04/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent a debt validation letter on XX/XX/XXXX to Phoenix Financial Service this company has failed to validate my debt instead they sent I for regarding a procedure and XXXX codes which I know is a violation of Hippa regulations.I never signed a release form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
|
| 03/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A fake collections company is calling saying I owe money for an emergency room visit. I called the hospital and our visit was never sent to collections and was paid by our insurance. We never received any type of bill regarding our visit since we had already met our deductible that year. The statement we received showed it was paid in full. They only know me by my phone number- no account number, no nothing.
|
| 03/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
PHOENIX FINANCIAL SE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX USA This company put a collection on my credit report in the amount of XXXX for a XXXX XXXX XXXX XXXX. I do not owe this debt as I get my healthcare from the Department of Veterans Affairs. This company has the wrong person, and this company needs to remove this collection within 3 business days or I'm going to send to the attorney generals office.
|
| 05/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a text message from Phoenix Financial Services LLC as follows- Phoenix Financial Services LLC is a debt collector.
Re : XXXX XXXX XXXX, XXXX. Account # XXXX Access our website here : www.phoenixfinancialsvcs.com Rights : phoenixfinancialsvcs.com/XXXX Text STOP to End I have no outstanding debts, do not click shady links, and research shows this to be a predatory company that should be reported.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Phoenix Financial Services, LLC states that I allegedly owe them. I have attempted to communicate with them in regards to this debt prior and they did not respond. I asked for them to validate the debt as well as to provide a contract with both parties ' wet ink signatures. They failed to provide this document and still are attempting to harm my consumer credit profile by reporting inaccurate information.
|
| 05/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX in XXXX, Texas has tried to balance bill an amount not in the contract with XXXX XXXX. They have sent the bill to multiple collection agencies though the insurance has told them the collection is not in the contract and is not billable. I have had to spend time with the collection agencies and XXXX XXXX XXXX XXXX XXXX repeatedly and the hospital is still trying to collect a fraudulent debt.
|
| 11/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a call a few months ago, about a bill in the amount of {$1300.00} from service dating back to XX/XX/XXXX and i had no notice before this call about this bill, no calls and no bills. If i have no notice about a bill from 5 years ago how can can they do this to me now?
I am also pretty sure when i got the call they said the date of service was from XX/XX/XXXX which would make it XXXX years old.
|
| 10/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PHOENIX FINANCIAL SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
|
| 03/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing in regards to a collection account ( XXXX ) IN AMOUNT of {$280.00} that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately. It is also a HIPPA violation if they have unknowingly accessed any of my medical records to fraudulently have this account added to my credit report.
|
| 02/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..
|
| 11/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2022 I received a notification from one of my credit monitoring services that there was a change. Upon review I noticed that that there was a derogatory mark from a Phoenix Financial Services in the amount of {$740.00}.
Additional research shows this is a out of network provider charging me without my prior authorization and based on the no surprise law of XXXX they are violating my rights.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX ALABAMA {$480.00} Balance updated XX/XX/XXXX... The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Balance due {$1900.00} Date opened XX/XX/XXXX XXXX
|
| 06/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
i notice a collection on my credit report on last month from PHOENIX FINANCIAL SERVICES about an alleged debt of XXXX that i do not owe and the repeated, harassing calls from them on XX/XX/2021, so i sent them a letter on XX/XX/2021 requesting documentation concerning the inaccurate item they are reporting on my credit in a timely manner. i do not know these people nor have dealt with them in my life.
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Phoenix Financial Services placed a collections account on my XXXX credit report on XX/XX/XXXX for a XXXX medical bill. I had no notice of this bill being outstanding. I had medical insurance that covered this bill. Primary insurance- XXXX XXXX and XXXX XXXX XXXX XXXX. I was never informed that the insurer ( s ) were not billed or were not billed properly as this bill was 100 % covered by insurance.
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Phoenix Financial Services about XXXX XXXX XXXX XXXX. They are asking for {$850.00} for " XXXX XXXX XXXX. '' I have responsibility paid all of my medical bills through XXXX or related labs by my physician and this " XXXX XXXX XXXX '' is fraudulent and incorrect. I've never used any sort of " XXXX XXXX XXXX '' I believe my identity was taken or that my information was sold.
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX - XXXX XXXX - this account was removed due to inaccuracy on XX/XX/XXXX - XXXX. This can not be added back, Ive let them know that i am not responsible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
These companies have removed this file due to inaccuracy also and repeatedly transfer the debt without my person after it was removed for {$580.00}, now the balance is XXXX it has crashed my XXXX XXXX.
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe phoenix any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
|
| 12/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX {$420.00} I have never signed any written document saying that I owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also, they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureaus.
|
| 05/06/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report there is an collection account from Phoenix Financial Services which notes an {$85.00} medical. My credit report states this was open on XX/XX/2017, This debt and account is inaccurate and not mine. I have never received any written communication in reference to this account or any knowledge of this. I have not received any medical treatment on or around the date.
|
| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
THIS COMPANY HAS CONTINUED TO CALL MY CELL PHONE AND WORK PHONE DURING WORK HOURS. I HAD NO INFORMATION CONCNERING THE MEDICAL BILL. I HAVE ASKED THEM MULTIPLE TIME TO STOP CALLING AND THEY REFUSE. I ASKED TO CEASE AND DESIST AND THEY REFUSE. I INFORMED THEM TO REMOVE THIS ITEM FROM MY CREDIT REPORT BECAUSE THEY ARE A XXXX PARTY AGENT COLLECTING A MEDICAL BILL WHEN I HAVE PAID THE XXXX DIRECT.
|
| 02/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XX/XX/2019, I saw that 2 new collection accounts were added to my credit reports from Pheonix Financial Services LLC. Prior to this, I knew nothing about the medical debt owed. I never received any bills, nor was I expecting any because I was insured by Medicaid until XX/XX/2019. I have asked them to verify the debt, and they still haven't replied, and my credit has already been affected
|
| 09/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On, XX/XX/XXXX I received notification from XXXX, that there was a new collection account reported from Phoenix Financial Services. I never received any written notice. Nor, was I given the opportunity to dispute the validity of this debt. Daily, I receive random phone calls all hours of the day, which I believe to be from them. As far as I know the fcra and fdcpa protects me from such actions.
|
| 12/28/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Phoenix Financial Services LLC
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Letter has XXXX XXXX list but received yesterday on XX/XX/2023.
Claimed I owe a debt of " {$1300.00} '' from creditor I do not recognized.
List " Date of Service '' on XXXX XXXX, which I thought was past statute of limitations for medical bills in XXXX.
The company goes by " Phoenix Financial XXXX ''.
I have not taken any action as I do not know if this is legal.
Thank you for any help.
|
| 08/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
An account representative from Phoenix Financial services ( as ) organization contacted my wife on her cell phone ( without authorization XX/XX/2019 ) and threatened arrest at which point she paid.
They had called me on my cell in XX/XX/XXXX at which point I requested that they send documentation in writing for me to review with their client and insurance company ( which I never received ).
|
| 09/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Letter from Phoenix Financial Services stating a medical debt from an ambulance company ( XXXX ) with a date of service of XX/XX/19. I have never needed or used an ambulance and this is the second time this company has claimed this. According to the letter, I originally owed {$1100.00} and was credited {$1000.00} with a owed debt now of {$110.00}. The letter mentions being sued for the debt.
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
|
| 08/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
phoenix financial services collection agency bought a old medical account from another collection agency which that debt was removed deleted from my report long ago the are now trying to re ageing this account and put it on my my credit report as a new account originally XXXX XXXX XXXX which I have not entered any binding contracts or signed anything with any of these companies! not my debt.
|
| 04/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XX/XX/2019 the agent called 4 times from 2 similar numbers. I returned the call and it came back to Phoenix XXXX. They ask for a female who is seldom at the residence and they won't give me any information as to the reason/purpose of the call. I informed them prior that multiple calls are harassment and the agent said, in fact, it is not and that he would continue. He has done exactly that.
|
| 11/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XXXX I visited the XXXX XXXX ER for a XXXX XXXX. In XXXX I was approved for permanent XXXX and they paid all my old hospital debts. There were more than XXXX and all were paid. I submitted this information to the hospital and XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. I have spoken to XXXX XXXX several times but they continue to report to the credit bureau. Please remove.
|
| 07/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Remaining Fraudulent Accounts :
|
| 10/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
*I have reviewed my Credit report and found several account unrecognized items from your office PHOENIX FINANCIAL SERVIC # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc ... I can not seem to locate any files or paperwork that show PHOENIX FINANCIAL SERVICES is in compliance as far as HIPPA laws.
|
| 08/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Credit report stated account was opened on XX/XX/XXXX for a balance of {$59.00} for medical that I do not owe directly to them. They have been calling my cell phone 3 times or more a day not leaving any messages and when I do answer I have asked them several times to stop calling me, mail me a letter and to not call again as I do not owe them the money and they are a 3rd party collector.
|
| 10/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
From XXXX, a company called Phoenix Financial Services submitted a collections notice on my credit report. I have no knowledge of this company or why they think I owe them anything. I disputed the collection attempt, but somehow it came back as verified debt. By whom? This is not a debt for me. I have no knowledge of them, or any reason as to why they are trying say I owe them anything.
|
| 02/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is an UNKNOWN account. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
I have contacted your company many times but you have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Account Number : XXXX XXXX XXXX
|
| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix Financial Service is inaccurate because I have never received any documentation for this bill. I have contacted the XXXX Tx XXXX XXXX, the original creditor, and am told there is no balance. I have contacted Phoenix Financial Service and was refused proper documentation to validate the debt. I am requesting this item be removed from my file to correct the information. {$1100.00}
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have no idea what this is for. Have not received any information about what its for from Phoenix financial or who is listed as an original creditor. How is this allowed to effect my credit when I HAVE NO IDEA WHAT IT IS. Says XXXX XXXX XXXX XXXX?? I have not been treated there in years. Is this for my adult daughter who may have been treated there and you somehow attributed it to me?
|
| 02/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a mail from Phoenix Financial Services regarding a debt for an ambulance service back in XXXX and threatened to report that to credit reporting agency. I never received a bill for this service and was covered by XXXX XXXX insurance. I requested Phoenix Financial Services to provide proof of debt but did not hear from them since. I believe this is a result of identity theft.
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Collection agency reported several collections on my credit from one hospital visit. I had and still have medical coverage. I was never informed that Phoenix had this account nor that they were reporting anything on my credit. I sent a request for them to validate these accounts and they just ignored my requests, but they continue to report the erroneous accounts on my credit
|
| 08/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have reported to XXXX that the same debit for a medical bill is being reported by two different collection agencies. The dispute was resolved that XXXX took off one of the reporting agencies. I logged back in this month and notice yet again the same issue happened. Phoenix is reporting my medical bill from XXXX XXXX XXXX XXXX but this is also being reported by XXXX. please help.
|
| 11/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
This company, PHOENIX FINANCIAL SERVICES, is charging me for an old debt that they assumed from an XXXX company.
The XXXX. XXXX XXXX assumed payment of, and processed my claim for the XXXX service.
Even after filing two disputes through XXXX, PHOENIX FINANCIAL SERVICES, seems to ignore my statement, shows no evidence of investigating my claim, and in response, simply rebills me.
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection agencies under the name Phoenix Financial Service appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.
|
| 04/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phoenix financial services sent a bill on XX/XX/XXXX for services rendered by the XXXX XXXX XXXX on XX/XX/XXXX. All bills from this hospitalization were paid in XXXX. When I called phoenix they were extremely rude and abusive and they threatened to ruin my credit. When I researched this company with the XXXX XXXX XXXX I discovered almost 400 complaints for the exact same conduct.
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services in Indiana is laying claim to a debt that does not belong to me. The account was opened on XX/XX/2023. I did not open this account. This is fraud. They have not given me a letter of debt verification or contacted me in any way. This debt collection company is claiming fraudulent debt against my name and it is causing financial harm to me and my family.
|
| 05/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a certified validation letter to Phoenix Financial Services XX/XX/2023, I also informed Phoenix Financial Service they are not allowed to collect a debt in California Per Debt Licensing Act ( DFPI ) I do not know where this debt originated from. Please see attachments. If this is a medical bill, I have and have always had insurance. You also have this as an open account.
|
| 08/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
|
| 11/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Is a medical deb from Phoenix financial opened on XX/XX/XXXX it says but I had never been on a er I have health insurance a what happen was I lost my personal paper birth certificate nd never find em who know were the end up this was 3 year ago maybe My concern is did some. One ever. Did find my paper cuz I know for sure I didn go to no er or what ever medical issue was charged
|
| 09/23/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Didn't provide services promised
|
|
Web |
Servicemember |
|
I had small collections from Phoenix Financial and I paid them 2 years ago in a lump payment. Phoenix Financial reported to my credit report 6 months ago the entire amount. I called for billing details because I have had no new hospital debt. They have not sent this information and have now sold this to another company as a new debt. All this is beyond 7 year time of service.
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. I sent this company a letter certified with tracking number XXXX XXXX XXXX XXXX XXXX requesting validation of debt and HIPAA authorization and requesting that they delete this account off my credit report.
|
| 10/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 a collection account appeared on my credit reports from PHOENIX FINANCIAL SERVICES for a supposed debt of {$1900.00} to XXXX XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this account. I have not been to that particular hospital in over 4 years. At that visit my services were covered by my health insurance.
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
PHOENIX FINANCIAL SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX is being reported as a new acct. every month for $ XXXX.
This same company is reporting a payment of at least {$1.00} every month when NO payment has been made.
I do not know who this company is or what alleged debt they say I owe.
Because of their unscrupulous activities, my credit score keeps going down!
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The company Phoenix Financial Serv has sent a negative report to the credit bureaus on XX/XX/2023 and I don't know why, or what they mean by this value or this charge, besides not recognizing this report, there is no evidence or evidence in my hands of being notified. I do not accept this violation of my rights as a consumer and I am abiding by the Fair Credit Reporting Act.
|
| 04/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
Several calls before XXXX XXXX. When I asked for more information about the debt they hang up the phone and I can't get answers. They continue to call before XXXX XXXX from different numbers so I can't block the phone numbers.
I am XXXX with medical insurance and I have never been in an ambulance. This medical debt for ambulance services are charges I never authorized.
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This account from Phoenix Financial Services showed up on my credit report on XX/XX/2021.I sent a certified letter on XX/XX/2021 letter requesting proof of the debt, also requested to remove this account from my credit reports. Phoenix Financial Services received the letter on XX/XX/2021. I never received anything back from this company and this debt is still on my report.
|
| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020, Phoenix Financial services reported collection on all 3 credit reports stating that I owed {$690.00} for a medical bill. After contacting the original creditor XXXX XXXX XXXX XXXX, I found out that my insurance was not billed for said medical bill. After updating insurance information it was stated that the collection would be removed from my credit reports.
|
| 09/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Phoenix Financial is reporting on my credit for a debt that is not mine. IT shows its from 2012, which is old and past the statute of limitations also.
I have never received anything from this company, they just posted to my credit. By laws they are supposed to notify me. This debt is erroneous and not mine!
I have disputed it with the bureaus and they have done nothing.
|
| 01/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PHOENIX FINANCIAL XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honour all request of documentation.
|
| 04/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Keeps flagging a collection into my credit file that has be resolved and deleted after investigation of credit bureau.
This was previously removed before since months ago .Today XX/XX/21 it has appeared back in my credit file again!!!
I'm REALLY UPSET Please, this company fraudulent activities needs to STOP
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
There isn't enough information that is included in the statement received by Phoenix Financial Services to pin this alleged debt to my consumer reports. On XXXX XXXX, a statement of {$630.00} was sent to my address with an offer of {$250.00} to settle the alleged debt. I have reached out to the company via certified mail and am waiting on a response to resolve this issue.
|
| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX requesting information in which I have yet to receive a proper response as they failed to provide me the specific information requested in my initial cease and desist/debt validation. Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX is in violation of my rights as a federally protected consumer.
|
| 03/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I should not receive a bill from a debt collector on this account. I have been covered under Medicaid since 2018!! I have not received a letter from this agency to even be provided with a chance to dispute this account. This is now on my credit and if it is not removed immediately, I will seek litigation against this third party company as well as the physician 's group!
|
| 12/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company put a collection on my credit report which has already been removed and has a police report attached to it for the result of identity theft. This company is claiming I owe a amount of {$910.00}. This company is not the originator of the proclaimed debt. By law this debt collector is breaking the law by attempting to collect a debt that they did not originate
|
| 05/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They contacted my parents and stated that I gave them their phone number as a contact number. I have never and would never ever give my XXXX or XXXX 's phone number to a debt collection agency. I have talked to them and I told them I would try and pay the debt as soon as possible. They have called my phone once to twice a day, and now they are contacting family members.
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
My credit was damaged, they have defamed my character with these fraudulent charges! I do not know/Authorize Phoenix Financial XXXX Nor do businesses with them at all!
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Phoenix Financial
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
|
| 07/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$150.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX
|
| 10/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I received a notice on my credit report that I owed {$1300.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often fainted at work, or was incoherent or confused, and would be taken to the hospital without my consent, however I do not remember being taken by ambulance to the hospital. I do believe this charge is incorrect.
|
| 12/30/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full.
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.
|
| 06/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX I sent a letter via certified Mail to the company for verification of medical debt. On XXXX they sent a response stating in the allotted time they could not verify the debt and they would stop reporting the account to any consumer reporting agencies within a 30 day or more time frame. It is XX/XX/2021 and they are still reporting this unverified account.
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.
|
| 08/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I lost my job because of covid and I keep telling them that I will call them back when I get settled in to my new job but they keep calling me on different numbers every time I wish they would stop because now there calling me while Im at work and I keep telling them this and Im eventually gon na loose this job because my manager keeps having to talk to me about it.
|
| 04/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I haves paid all my bills to XXXX XXXX and all the doctors. I was promised that I will not be contacted again or harassed. Now I am receiving more bills from 5 years ago. I am tired of being harassed. I had health insurance and they lied and said my insurance never paid. I paid them so that they can leave me alone and they are back again another year harassing me.
|
| 12/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have spend nearly a week with XXXX on the phone discussing incorrect information on my report. The reps barely speak English and the hold times are outrages. I have medical bills that should not be on my credit report due to me the patient had Insurance. I have been a XXXX XXXX XXXX since 26 years. Unbelievable that I have no control and they can ruin my credit.
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I called the number and told the person who answered to " stop calling this private cell number, is that understood ''. They seemed to know the number who was calling and asked if I was a certain person. I repeated myself thrice. Each time they'd refuse to stop calling and ask if I was a certain person. My name is XXXX, not the mans name they're trying to reach.
|
| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Phoenix Financial XXXX called me Saturday night at XXXX about a debt that was already paid regarding XXXX XXXX XXXX XXXX. I informed them that I paid the remaining portion after insurance and they asked for a receipt. I told them I would send one to them. The next day I found this debt on my XXXX credit report. They reported it before even receiving my receipt.
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I didnt find out that my identity had been stolen until XXXX of XXXX, it was stolen in XXXX. The person was caught using my identity and is now in XXXX for numerous other crimes.
I contacted Phoenix financial over a week ago and theyve yet to remove this fraudulent account. Please have them to remove this immediately. I also have the police report attached.
|
| 12/15/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial Services reported a collection on my credit report effective XX/XX/2019 in the amount of {$730.00}.
I do not know who this company is. I sent them a debt validation letter via mail and I have not received a response.
Please assist in getting this account removed from my credit report as I have no known written knowledge of this creditor.
|
| 09/15/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.
|
| 12/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have sent a dispute letter to this third party collection agency Phoenix twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and they have yet to respond to me. I paid this medical bill in the amount of {$200.00} way before it was sent to there office for collections. I sent them documentation supporting my payment and have yet to receive a response.
|
| 12/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.
|
| 01/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a medical bill go to a debt collector,, after telling hospital, and telling them that the VA WILL PAY THEM..as you know it takes sometime for them to pay..well the VA FINALLY paid it..npw the collection is still trying to collect..i told them a month ago they paid the hospital ... and they are still harassing me and messing with my Credit Reports..
|
| 04/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021, my credit report was flagged, collections, {$900.00} by Phoenix financial services. I contacted PFS on XX/XX/2021 And was told it was a medical debt I explained I have insurance and should not have any medical bill. I was informed I was outside the dispute time and would have to pay or deal with the consequences of it being on my credit file
|
| 01/13/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, PHOENIX FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/19 I received a debt collection notice= {$180.00} for medical services I did NOT receive because I was NEVER a patient at the hospital in question. I called the collection agency on XX/XX/19 & informed them I am not the patient.
I also wrote to the hospital in question & have also written a letter to the collection agency disputing the debt.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I saw an account reported to my credit report for {$160.00}, I called the agency and advised I had never been notified of this, I was told that the debt is from XXXX and that a notice was sent in XX/XX/XXXX. They told me they sent it to the address I currently reside at but the fact is I didn't reside at the address in XXXX when they say they sent it.
|
| 04/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Account # Phoenix Financial XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have placed this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt ''
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Firstly it says inpatient count of Florida so I'm assuming it's medical that's impossible because I haven't lived in that state that time of year I haven't even lived in that state for over 7 years so that can't possibly be my debt not to mention how Phoenix financial service is reported it on my report six times can't you see something's wrong here
|
| 07/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I contacted XXXX to file a dispute against fraudulent information reporting on my consumer report they still never took down. The original creditor is XXXX XXXX emergency XXXX which they sold the debt to Phoenix financial services and Phoenix financial services are asking me to pay them {$430.00} this account was opened on XX/XX/2021.
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES has never sent me anything in reference to these accounts. I believe these accounts are reporting in error. They seem to be duplicate reporting, and I understand that is something this company is extremely well known for. I demand justice! Phoenix can not report the same account with the same balance twice! Please help me!
|
| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive never heard of this company. Nor do I owe them or anyone else money. They never even contacted me they just placed this bogus debt on my credit report. No written documentation stating what this is or proof its mine! Company is singling me out & questioning my integrity. This company has not helped me in any way when contacted. This is not mine!
|
| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX. {$430.00} I contacted this company with proof of the violations taking place along with a invoice to pay for violations. 15 usc 1692c -communication not allowed by debts collector. 15 usc 1602 I am the original creditor 18 usc 08 the government agreed to assume all liabilities that arise under transaction using my social security number.
|
| 03/02/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I owe the amount of {$770.00} to XXXX XXXX XXXX XXXX since XXXX XXXX, XXXX. Phoenix Financial Services LLC ( phoenixfinancialsvcs.com ), a Collections Agency, recently acquired this debt and they have done a Negative Re-Aging of this debt with all Credit Reporting agencies, by reporting it as a new debt in XXXX of XXXX. This is an illegal practice.
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix financial has two accounts listed on my credit report that is a violation of fair credit laws. The first problem is validation. The second problem, another violation I have no idea what these amounts are for or the date because I never received a notice stating I owed the amounts of XXXX and XXXX or any detail how they calculated amounts.
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I was contacted by XXXX XXXX who contacted my daughter to reach me. She stated I could settle 3 debts of XXXX XXXX and XXXX for XXXX. XXXX called today XX/XX/2021 and stated I only resolved one bill. This company use deceptive business Practices to obtain money. I spoke with XXXX XXXX who said I cant help you I dont have your file.
|
| 12/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services in IXXXX, IN attempted to collect a {$50.00} XXXX debt for a local provider for a XXXX test. The provider admitted they mistakenly referred the collection to Phoenix and asked them to remove the collection from my credit report. I emailed Phoenix on four occasions and they have not yet removed the item from my report.
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Thank for your help. I am making a complaint in hopes of speeding up the process so that I may move on to informing my mortgage bank about this error on my file being removed. Detail reasons of this error is explained in attached files but in short I believe said debt is not mine and I was not provided absolute proof the debt is mine. Thank you
|
| 11/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I keep asking for them to remove my # i am not the person they are looking even tried asking what the call was for can not get an answer i know whom they are looking for but without them giving me any information i will give any contact info so i asked for them to stop calling me and i just get hung up i called back and they hang up on me also
|
| 07/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed this collection multiple times. I have asked for paperwork saying that I owe the debt. I sent debt validation letters as well and I never received a response from this company. I see where on my credit report it says disputed by consumer. I have never visited or have been cared for by a doctor in Texas.
The amount is {$910.00}
|
| 12/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This collection company named Phoenix Financial services, there are pretending to collect a debt of the amount {$17.00}, in which it have been paid since XX/XX/2019 with check Num. XXXX {$17.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Phoenix Financial Services has offered a discount to pay an amount of {$14.00}, in which I owe them nothing.
|
| 09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2020, Phoenix Financial reported to the credit bureaus a derogatory mark on my consumers credit report. The original creditor Is XXXX XXXX I, which I dont see how because as a consumer Im the original creditor. I did not give Phoenix Financial my written consent to report anything to my consumers report. No consent is identity theft.
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX Sent Debt Validation letters to Phoenix Financial Services to Validate debt attached accounts on XXXX XXXX Induvial Action XXXX 1. Phoenix Financial Service did not comply 5 days after speaking to me.
2. Phoenix Financial Service did not provide validation of the debts 3.Phoenix Financial Service did not cease in collecting debts
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
An account with XXXX XXXX represented by Pheonix Financial Services XXXX XXXX XXXX XXXX Indiana ( XXXX ) was paid as agreed with pay to delete per settlement. The account still reports on Equifax. Already disputed with the original creditor and they stated they have already reported the account to be removed and it still has not been removed.
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They posted the negative remarks on my credit report I sent two letters to Phoenix Financial Service, LLC in hope they can validate this debt they claim I owe. I will provide the letters I sent along with certified mail tracking numbers. They have yet to respond and this account is hindering me from moving forward with my home buying process.
|
| 07/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated back to back calls within minutes of each other. Sometimes when they call they hang up before I can answer ( my phone rings maybe once ) and they call right back and do it again seconds later. When I called back they didnt identify themselves as Phoenix Financial Services. No profanity but the worker I spoke with was incredibly rude.
|
| 01/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/19 I sent a debt validation letter to Phoenix Financial Services LLC. On XXXX XXXX they sent back XXXX medical account statements with a XXXX balance further proving I don't owe them a debt. I called to tell them this and they said " oh well you owe this debt '' The documents I attach will prove that all accounts have a XXXX balance.
|
| 11/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company called me one day 1 minute apart I have the phone record on my phone I am at work and I know this is not legal - phone number is XXXX - XXXX calling from Phoenix Financial Services - I want this stopped its harrassment to call me that frequently especially when I am at work. They need to drop the collections and remove the debt.
|
| 01/27/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phoenix Financial Services is maliciously reporting to all 3 bureaus and that I owe {$1000.00} on an account that has a XXXX balance and that 's completely false!!!! I do not owe anything ... .I have documents to support these lies .... I 'm stress out my credit score has dropped due to these false claims. PLEASE GET THESE CROOKS OFF MY BACK.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The item showing on my credit report is greatly affecting my credit and giving me difficulty in obtaining a present loan application. I request that you verify this item with PHOENIX FINANCIAL SERV that they are reporting this in accordance with the Fair Credit Reporting Act Regulations as it is a serious problem to report this inaccurately.
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 06/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX mailed a Validation letter to Phoenix Financial Service on XXXX XXXX Phoenix Financial Serv, didn't reply after 5 days of speaking with according to code USC 15 1692 G Phoenix Financial Serv, did not provide validation of debt as requested Phoenix Financial Serv did not cease in their action to collect on a debt that is not owed.
|
| 04/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt. I have recently been monitoring my credit report and This company has listed two collection accounts on my credit report within the last week. I have tried to contact this company several times with no luck due to rude and unprofessional service. I do not have an account with this company nor do I owe them for this debt.
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no information about this debt.
I learned of it, checking my credit.
I have tried multiple times to get information regarding this.
I do not have an account number or the original company, I can not confirm or deny this.
I have submitted multiple queries to the credit bureaus, 2 of which have dismissed it and I do not know why.
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been fighting with Phoenix Financial Services on and off for almost 5 years. They are trying to collect a debt that I dispute as services were not rendered. They previously promised they would cease collection attempts, but have started again recently. They have ignored my dispute letters and started reporting it to my credit report.
|
| 04/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/19 Phoenix Financial Services placed a collection on my XXXX credit report for {$1300.00}. This debt was previously expunged from my credit report ( XX/XX/19 ) due to another collection agency verifying the debt had been paid and the charge was fraudulent. I tried to call the number listed on my report and was hung up on by the rep
|
| 05/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Financial Services ... They claim I owe a debt of {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the supposed creditor. I do not owe this money never even heard of them. They issued me a statement on XX/XX/XXXX. I have talked to them when I tell them I didn't owe the debt or to explain what the debt is from they hang up on me.
|
| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
|
| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
|
| 03/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did go to XXXX XXXX because I was ill but left without seeing any doctor at all. NEVER signed discharge papers I told the collector at Phoenix Financial what had happened but he refused to listen. Instead he wanted me too settle the account at first I agreed to but later declined why should I pay for medical care that was never serviced
|
| 11/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XX/XX/2013 original date of debt amount {$27.00} This debt first originated XX/XX/2013, the original collection ( XXXX XXXX XXXX XXXX XXXX ) the company change collection company ( Phoenix Financial ) to make it seem this is a new debt, which isn't the case, after seven years this debt should be removed from my Credit Report immediately!
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XX/XX/2020 Collections opened XX/XX/2020 Amount owed {$1300.00} I have already disputed this collections. I have not lived nor received medical care in XXXX Texas in over seven years. Nor did I receive any mail regarding such collections.
Ive contacted both XXXX XXXX and Phx financial and this collection is not mine. It just isnt.
|
| 11/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I did not received enough information from the collection agency, they did not called me. I thought my insurance company paid the amount in full. I did provided the hospital with all my insurance information and I believe they did not follow up the insurance. They forwarded the account to collections agency., who reported me to credit B.
|
| 07/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Called over 100 times in less than a month. Has never left message. Tried to return the call and was sent automatic message about not being a valid number until today. Had to call over 10 times before they would even tell me the company name. It is Phoenix Financial. They are not currently on nor have they ever been on my credit report.
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter from a debt collector todayXX/XX/XXXX saying that They are collecting a debt from XXXX an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.
|
| 05/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX has been sending me collection notices in the amount of {$1400.00} the collection has been reported past due balance. I do not know this company and I have Never done any business with this company. This company does not have a contract with my signature on it!
|
| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did not give the original creditor permission to share any of my information with this company, I also do not owe this company any money. I have sent letters also called for this company to remove this debt from my credit which is causing me not to be able to buy a house, this company is harassing me for a payment I do not owe them.
|
| 05/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX / XXXX / 2017 I filed a complaint against a company. You assigned it case number XXXX . On XXXX / XXXX / 2017 you sent me an email with the status indicating that the company has replied to you. Howevere, they replied that they will investigate and get back to you and me. As of this day I have not received a response.
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed this company reporting multiple debts on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX of 2020, I had a collection agency, Phoenix Financial Services ( " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified PFS and XXXX, however no change has been made to my credit report.
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection agency named Phoenix just reported a {$790.00} collection account on my credit report. I had no contact from XXXX in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
|
| 07/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I noticed on my credit report there was a new derogatory mark added to collections from Phoenix Financial Servic. Phoenix Financial Servic has not contacted me in anyway to inform me about this debt that is owed. This debt was reported on XX/XX/2019, and was opened XX/XX/2019. The amount due to this collection agency is {$1400.00}.
|
| 04/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
According to the Federal Credit Reporting Act creditors are to notify consumers of any debts owed and are to be given 30 days to dispute the validity of the said debt. I was not granted the notice of dispute which is in direct violation of the Federal Credit Reporting Act. I would like a validation of the address they have on file.
|
| 01/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
i called them asked for proof of what debt was they told me some old hospital bill i asked for information from them so i can prove it wasmt mine amd was due to identity theft they refuse to send me info refuse to remove it its fraude they XXXX its from years ago i was a victim of identity theft and theybrwfuse to help or remove it
|
| 07/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Phoenix Financial Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of ( {$830.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 07/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Called the company back PHOENIX FINANCIAL SERV they say I owe XXXX for when I was in a wreck in 2018. I did not ride in the ambulance to be seen I rode in it with my then boyfriend who was on the stretcher and neck braces and now they want to try to put it in on my credit they said it doesnt even include him on the report just me
|
| 03/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agency claims that I owe them for services provided by XXXX XXXX in the amount of {$160.00}. No proof was given that these services were mine. The agency added this collection to all three credit bureaus TWICE. Once on XX/XX/2018 and again on XX/XX/2018, which has had a severely negative effect on my credit score.
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt does not belong to me I think it might be a medical bill for my adult child in which I am not responsible for. If you continue to attempt to collect this debt I am going to obtain an attorney.
This will be the XXXX time a collection agency has added this collection to my credit and this I have to dispute it each time.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : a creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for purpose.
|
| 01/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Not real sure what happened when I filed my taxes this year I did a credit report and on that credit report there was ridiculous charges I'll tell you right now all I owe in debt {$1200.00} to XXXX XXXX and maybe a couple of water bills from the past at XXXX Bill bunch of XXXX but not to XXXX toXXXX XXXX is claimed on my report
|
| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today I received an alert from my credit monitoring services that this company has reported that I owe them a debt. I have never done business with this company nor have I ever entered into any contractual agreement with them promising to pay for neither goods nor services. I have never received any notification from them either
|
| 05/19/2018 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have never received any written or phone communication from this company. I saw two new negative entries on my credit report and I inquired about them. They could not verify dates of service although they reported it on my credit asXX/XX/2018. I confirmed with the original debtor that the dates of services are four years old.
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 03/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I reviewed my credit report and located this transaction in the amount of {$45.00}. I have never received a bill from this company and I'm concerned because I feel as though my HIPPA rights have been violated as well. I have never authorized to make payment to this company nor give them the option to bill me for any services.
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
|
| 06/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a call from Phoenix Financial requesting I pay an outstanding debt. I ask for additional information date of service or proof the debt was owed. The collector refused to validate the bill/debt. I checked my credit report on XX/XX/2021 and Phoenix Financial Services is showing a collection item in my credit report.
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix Financial Services is reporting a debt in my name to all Credit Bureaus. I do not and haver never had an account with Phoenix Financial Services. I have researched through my Secretary of State and Phoenix Financial Service is not even licensed to collect debt in the state of Louisiana which is the state I reside in.
|
| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
account with Phoenix financial account # XXXX Account on credit report showing PAID but still showing balance of {$910.00} Phoenix financial XXXX We are trying to fix our credit and working with XXXX XXXX in Ga.We are trying to purchase a home. Any help in this matter would be greatly appreciated.
Thank you XXXX XXXX XXXX
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 Phoenix Financial Services, LLC signed for a certified piece of mail containing a debt verification letter to verify my debt in which they were given 30 days written only to respond. It is XX/XX/2021 and Ive not received anything from the collection company. This debt is invalid because they can not prove it.
|
| 08/02/2017 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.
|
| 07/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote a letter to validate my debts with Phoenix Financial Services on XX/XX/2020. Due to an overwhelming schedule I wasn't able to mail it until XX/XX/2020. The company received it on XX/XX/2020 at XXXXXXXX XXXX from the post office. I am yet to hear back from the company within the 30 day window to validate my debt.
|
| 07/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phoenix XXXX debt collection company received payoff amount of {$400.00}. I paid 2 payments of XXXX XXXXon XX/XX/2019 and {$200.00} on XX/XX/2019. They promised to send me receipt and closing notice by email or us mail but I still havent get any notice today.
I just need written approval of paid off and closed account.
|
| 03/19/2018 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have called me repeatedly over the past few weeks. They have been calling from several different numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have refused to disclose any information regarding my debt amount and verification and have demanded that I " resolve this issue immediately ''.
|
| 06/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you
|
| 12/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The date I received the letter was on XX/XX/2018 from Phoenix Financial Services.
The amount this company says I owe is XXXX.
It shows that Phoenix Financial bought the around from XXXX XXXX XXXX. I don't know who they are either.
Why are they contacting me and I'm not sure if my identity was stolen. Please assist.
|
| 08/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have received a detailed invoice and the debt started XX/XX/XXXX. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it changed to an invoice and was a XXXX writeoff. On XX/XX/XXXX it was a XXXX writeoff. On XX/XX/XXXX it changed to XXXX. On XX/XX/XXXX it was a XXXX writeoff. I do not owe this bill!!!
Thank you
|
| 04/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XX/XX/XXXX new account # XXXX on my credit report debt collector company.. phoenix financial services ( bussines type yc ) XXXX XXXX XXXX XXXX XXXX XXXX in XXXX debt amount {$1000.00} .00 account to old to be on credit report and inacurate amount of money. Acct previously closed and removed on 3 mayor credit bureaus
|
| 09/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt collection from XXXX XXXX in Florida. Advised Experian and the XXXX XXXX XXXXXXXX XXXX that I have never been to Florida and I live in Oklahoma. Experian has advised that the Collection is valid. I have requested from both Experian and the XXXX XXXX for validation of the debt and have yet to receive any update.
|
| 05/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
They have continued to violate my rights under the FDCPA. They call my girlfriends number asking for me at odd hours of the night. Continuous harassment. Rep called me names and put me down because I refuse to pay. Contacted both credit agencys XXXX and XXXX to remove these off my report and they refuse to do so.
|
| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted the company several times leaving voicemails. Still no call back.
{$790.00} bill This is not my bill, it appear to have been opened around 2016. I want this off my credit because I did not open this account. I have also disputed this account before. It was taken off my credit and it has come back again.
|
| 08/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.
|
| 06/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i check my credit report and notice a negative from PHOENIX FINANCIAL SERVICE ON XX/XX/2020 for a alleged debt of XXXX that i do not owe, I sent a letter on XX/XX/2020 to them asking for information concerning the validity of the entire debt from XXXX XXXX XXXX XXXX. I left a copy of the letter below for viewing.
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERV AT XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1500.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix Financial Service is reporting a {$2700.00} medical bill on my credit as opened in XX/XX/XXXX. This debt is from XX/XX/XXXX and is out of statute in Texas which is 4 years. They are fraudulent reporting it asXX/XX/XXXX. They are a debt buyer. I contacted them in XX/XX/XXXX and it is still being reported.
|
| 04/21/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt from the original creditor XXXX XXXX XXXX was deleted from my credit report XXXX last year. Now this new collection agency XXXX XXXX XXXX has paid for this alleged debt that was already proven not to be mine in hope to collect on a debt that was already deleted and apparently resold.
|
| 05/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Phoenix financial services LLC has sent me a past due bill from a date of service 6 yrs ago. The bill is from a doctor half way across the country that I have never seen. The collection agency is asking me to send {$900.00} on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX Never heard of either business/ practice
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 for XXXX I tried telling them this is not my account is shows as closed. Keeps posting on my collections. It is not my account from XXXX XXXX XXXX I've never even left XXXX XXXX so this is not my account and they are aware they refuse to remove it off my collections and it's affecting my credit.
|
| 09/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today i received a derogatory mark on my credit report from a collections company called phoenix financial services for the amount of {$900.00} from XXXX XXXX XXXX. This is completely fraudulent. They said its for a hospital visit on XX/XX/2019. I never received any notification. It seems to be fraudulent.
|
| 05/07/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped.
Reference number XXXX
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a false company trying to collect on a medical debt they claim I owe. I have no knowledge of this fraudulent company called Phonenix Financial Services pretending to be a debt collector. It seems my information was collected from an illegal breach and I am taking steps to report this fake company.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt has been sent to Phoenix Financial Service from XXXX XXXX. I previously reported this fraudulent charge from XXXX XXXX when the submitted to Resolve. They have now let it be submitted to another collections company. The stated from my prior complaint that they would absolve this debt and issue.
|
| 07/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Phoenix financial services have violated the No Parking rule in compliance with the FTC. They fail to notify before reporting to the credit bureaus also they didnt send verify any debt. This is clearly in Violation of my rights. I discovered the information while applying for credit which is unfair to me
|
| 11/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Phoenix Collections called me and said I owed XXXX to XXXX. XXXX XXXX XXXX
I told them I had payed the bill directly a year ago, which I did, I a have the canceled check. The guy said OK, he then sent me a bill and marked my credit unpaid.
They are apperently trying to extort a collection fee from me
|
| 07/05/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this.
|
| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company called and hung up several times. They are trying to collect a debt that I do not owe. I paid the out-of-pocket max fro my insurance that year and all other debt is owed by the insurance. The company will not listen and have added my disputed account to collections harming my credit rating.
|
| 01/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Medical debt. Whenever I ask for information about the debt I am not provided/ or the " debt '' is shuffled to another collection agency. I have no idea what this is about nor have I received any info that correlates to this company or this amount. Of course this " company '' has no way to be contacted
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an email from the company PHoenix Financial .Says i owe their money. I called them back in this morning and they say i called an ambulance before which i never did. they wan na me to call XXXX to solve this problem.i need help to solve this. i can provide any evidence you wan na to prove myself.
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In mid-XXXX, XXXX notified me that Phoenix Financial Services had me in collections for a {$3200.00} debt to XXXX XXXX XXXX.
I know nothing about this debt, did not authorize and have filed a Police Report.
This transaction needs to be removed from my credit history and my credit score restored.
|
| 01/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I get a letter in the mail roughly around X/17 saying that I had a {$510.00} balance that was sent to collections for a medical bill I do not recall ever hearing about. This is now showing on my credit report as " placed for collection '' when I had only received 1 letter and zero phone calls about.
|
| 12/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Pheonix financial service is a third party debt collector attempting to collecting an alleged debt and have access to sensitive information that was not authorized to be shared with them. I have communicated with the company through certified mail and this issue has yet to be corrected or resolved.
|
| 11/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As I can remember I had a court order documentation to order by the Judge to have my son XXXX evaluated. They authorizes picked him and took him to the hospital. I should not be responsible for the debt. Plus I never go a bill regarding this matter sent to me to get a head start complain about it.
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received an obvious scam letter in the mail from the company calling it Phoenix Financial Services on behalf of XXXX XXXX XXXX XXXX attempting to collect a debt for an unknown global medical response in the amount of {$1100.00}. There was no other information provided and I do not owe this debt.
|
| 01/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
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
|
| 03/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERV Has failed to provide me with original documentation of debt. I have asked them to show me proof to verify the debt and there resolution to this was to automatically report me to the credit bureau.
This debt is not valid and I can not confirm it is mine without any proof.
|
| 12/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It is a violation of Hippa law for medical records to be shared without the consent of the consumer. I did not give the creditor consent to share my information with a third party. I dont not owe any debt to the creditor or to the third party. my insurance covers the cost of all visits to doctors
|
| 05/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial is trying to collect a debt that doesn't belong to me I talked to one of their representatives they have my name however the date of birth doesn't belong to me, belongs to my son still they '' don't want to remove the account under my name and my ss # and is affecting my credit.
|
| 10/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt showed up on my credit report about XX/XX/XXXX i have no knowledge of debt contacted debt collector apparently it is a hospital bill from XX/XX/XXXX. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim
|
| 06/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 04/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 12/10/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.
|
| 12/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. XXXX
|
| 07/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have submitted to see verification proof from PHOENIX FINANCIAL SERV about a debt they claimed that I owe but they have refused to provide the information in a timely manner. The account number is XXXX. I demand that they removed this account immediately since they have not provided proof.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, XXXX XXXX XXXX {$1400.00} XX/XX/2021, PHOENIX FINANCIAL SE {$640.00} XX/XX/2021, PHOENIX FINANCIAL SE {$930.00} XX/XX/2021.
|
| 07/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX. And I have a collection company Phoenix Financial Service Trying to collect a medical debit for {$2400.00} from XX/XX/XXXX I was never in a medical ins tuition. this is a fraudulent account and want it removed from my credit
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I previously disputed this debt as I was provided with my medical bill but not my signed hipaa release of information. The company stated they had proper authorization. The next day they reported the same debt on my credit report as a duplicate causing my credit score to drop drastically.
|
| 08/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I received a notification of a debt on my credit file. The debt was discharged by XXXX XXXX after I filed a complaint with The Illinois Attorney General 's Office due to billing practices. The debt collection agency never attempted to contact me in order for me to dispute the collection.
|
| 05/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This alleged debt first originated from XXXX XXXX XXXX that showed up on my credit in mid XXXX . I disputed it with them because they said its from XXXX with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.
|
| 07/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019 I called and spoke with a representative and informed them that I had medical insurance and that the debt should've never been placed on my credit report. Also, any medical debts should not appear on the credit due to privacy and HIPAA laws which they are clearly violating.
|
| 04/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This creditor did not send any information for me to dispute this before they began to report on my credit reports.
This company should provide proof of agreement or contract that I received their services and then violated them before putting false information on my credit reports.
|
| 02/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was drove to hospital in ambulance for XXXX XXXX reasons. There was a lapse in my insurance and they cant the insurance because I didnt have it at the time. There was like a month or two lapse. The bill was around {$4000.00} I cant really pay that Im on a fixed Income. Im on XXXX.
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved mail addressed to my maiden name, XXXX XXXX, claiming to be from Phoenix Financial Services, a debt collector. It said I had an account with XXXX XXXX XXXX XXXX and I owed XXXX. It said XXXX XXXX XXXX XXXX is my current creditor and my original creditor is XXXX XXXX XXXX
|
| 10/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Have been receiving letters and phone calls from Phoenix Financial Services claiming I owe a medical debt. I called Hospital and am in good standing with the Hospital and do not owe the {$930.00} debt they are trying to claim. So called Emergency Services of Oklahoma XXXX in 2015
|
| 03/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt does not belong to me and the company does not have a license to collect debt or operate as a collection agency XXXX XXXX ... .account # XXXX ... XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... .social security:XXXX..
Collection agency : Phoenix financial service ... XXXX
|
| 11/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit report, I found a collection account from Phoenix Financial Services.
I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.
|
| 08/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been in contact with Phoenix Financial Services since XXXX as of late I have sent the documents XXXX and XXXX in regards to this fictitious debt they placed on my consumer report. They had no write to place any false misleading unverified accounts on my consumer report.
|
| 01/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter from Phoenix Financial services stating I owe a debt, but I have never did business with this company and it states debt is from 2015 which I don't recall this debt. This letter does not give enough evidence to confirm that I am the person that owe this debt.
|
| 07/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Tried to get information to verify debt on XX/XX/2022 and I have not received any information stating that it was my debt owed. XXXX has not provided me any information to verify the debt belongs to me and I have no knowledge of the original creditor and what the debt is for.
|
| 04/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
|
| 02/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently viewed my credit report and became very confused and agitated. I looked into it a bit and found that it is absolutely illegal what is happening to me right now! There are 2 accounts that are identical on my credit. DUPLICATE REPORTING IS ILLEGAL. PLEASE HELP ME!
|
| 09/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
|
| 09/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
|
| 12/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Collection statement received in reference to Hospital Bill from 2 years ago. Contact without identifying the company they are calling from. Threats to credit for not cooperating. Id like medical records to verify I had these procedures completed and that this is my debt.
|
| 02/25/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report.
They have also reported a different debt that I have been disputing for a long time with no resolution.
|
| 07/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
company is on my credit report for unpaid XXXX charges. I have always had insurance and i have called for information on this account and can not get information off my report..I have filed several disputes. I have never used this facility and I have always had insurance.
|
| 06/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Since XXXX I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
|
| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have explained that this is the result of identity theft and they keep harassing me and threading to arrest me although Ive sent multiple cease and desist. I have asked several times for verification that this was me because i have never been to this place of business.
|
| 09/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company has sent me no notice of any collection. This company has also tried to double dip and reported the same account twice to XXXX which now shows as 2 collection accounts as well as reported a date of XX/XX/2023 as a default date which I have no knowledge of.
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Phoenix Financial Services sent a letter to collect debt. Explained to them I have XXXX XXXX to cover the debt. The told me that the hospital didnt have to file insurance and that they can as a courtesy. Asked for the to send the original bill and they hung up on me.
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
we attempted to get more information from 1 of the MANY phone calls they make but they weren't very helpful.
We sent the creditor a debt validation via USPS on XX/XX/19 it was delivered on XX/XX/19. We till this day have not received any letters from the creditors.
|
| 01/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
this is on my credit report and i did not receive any documents regarding i owe PHOENIX FINANCIAL SERVICES ... I called XXXX hospital and they have no records of me owing them any thing ... please provide proof of what is owed,,, or remove from my credit records ...
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This XXXX XXXX collection agency is attempting to collect an alleged debt that is well past the Statute of Limitations for both credit reporting or legal action. The business can immediately cease and desist all communications. The Phoenix account number is : XXXX.
|
| 11/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Had a alert from credit agencies that a collection was placed on all 3 bureaus. Don't no what it is or never contacted. Closing on house in 3 weeks and bank needs resolution. Thank you and please get removed. Checked on this company and found numerous complaints.
|
| 02/24/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Unsure what this debt is?
Last Reported XX/XX/XXXX Collection Agency PHNX FINAN Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1300.00} Remarks Placed for collection
|
| 01/10/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Financial Services is attempting to ask for payment for a debt that is not appropriately described. I do not know what the service they demand payment for is, and I can not fathom how they are allowed to attack my credit and good name with this slander.
|
| 10/02/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Disputes with the company on XX/XX/2018/. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the 30 days to respond, I have not gotten a response.
|
| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX I was in a XXXX XXXX but my car insurance should have covered all my medicals expenses. But I'm getting send to collection for XXXX that should have been covered buy my insurance which is XXXX. they even had the wrong address I don't live there any more
|
| 08/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/20 I checked my credit report and realized there was a debt collector trying to collect a debt that that I have no knowledge of I have never heard of Phoenix financial services nor have i signed nor enter any agreement with them nor there affiliate
|
| 11/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
|
| 08/07/2015 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Ive been getting repeated phone calls from Phoenix Financial threatening me to pay {$1000.00} or they will put it on my credit report.
I dont know this company never done business with this company this company do not have any contract with my signature.
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I went to the XXXX. I had insurance through the military XXXX XXXX The visit was not billed under my insurance it was billed as though I had none. Now its on my credit report. Ive disputed it multiple times and they refuse to drop it or try to work it out.
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Collections from Phoenix Financial Services inaccurately reporting on my credit file. I have contacted the credit bureaus advising I am a victim of Identity Theft. This company has constantly called and mailed letters for a debt that does not belong to me.
|
| 10/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has for several years tried to me to a debt that isn't mine ... .. It has now been sold to Phoenix Financial Services. I have excellent credit XXXX fico and they try to destroy my credit with this fraudulent claim that I owe them {$72.00}
|
| 04/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive been a victim of identity theft and there are 2 medical bills on my credit that keep sending in bad reports that is damaging my credit. Ive explained to them that it was not me and I have a police report with number, and they are still on my credit.
|
| 07/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Phoenix Financial Services is reporting that I owe {$430.00} to a company I know nothing about. I have not been contacted by anyone regarding this debt and requested validation. To date I have yet to receive detailed information as to what this is for.
|
| 02/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled the medical debt with a hospital and they said it was done. Now about 4 years later I am getting the same amount from a debt collector trying to collect. Now after 4 years they have put this on my credit report.This debt was settled already.
|
| 10/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020, I received a notice on my credit report that I owed {$2000.00} to Phoenix Financial Service. Original date was XX/XX/2020. Due to my XXXX I often XXXX at work, or was XXXX or XXXX, and would be taken to the hospital without my consent
|
| 04/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This company is trying to collect a debt, that was paid off years ago. This has been going on for about three months. I paid this debt to XXXX XXXX XXXX in the state of Ohio in they Address is XXXX XXXX, XXXX XXXX, OH XXXX. In the year of XX/XX/2016.
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have told them the person they are looking for, XXXX XXXX, is not the owner of this phone number. I even called back and we verbally told my number had been removed. When I asked today who was calling they would never say asked for the same person
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This medical debt collector is charging me XXXX from XX/XX/XXXX which I have no idea where this company is from. I havent gone to a doctors appointment since XXXX therefore I have no idea where this amount is coming from. I have never left the state
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which medical information has been shared and see if my rights to privacy have been violated.
|
| 11/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Third Party Medical Collection that's fraudulent account can not verify or validated services and can not. Notified them and they continued to collect. I notified police of fraudulent collection. I have sent company affidavit of fraudulent account.
|
| 03/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested verification for this debt because I dont know where it came from and why its on my credit. Submitted disputes it was removed then added back to my credit. Opened XX/XX/2017 debt collector Phoenix collections in the amount of {$230.00}.
|
| 11/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
This is a hospital bill/worksmans comp bill, that first off Im not responsible for, also the second collection agency going after me, each time they sell the claim my credit goes down more!!! Its not fair that each time my credit score is affected
|
| 10/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The Phoenix financial services called me 5 times on XX/XX/2018 from phone number XXXX XXXX XXXX XXXX XXXX XXXX I asked the lady the called for the 5th time if that is protocol that they call continuously she said it is standard in their procedures
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX - Natural Person Sent Validation of Debt request on XXXX XXXX To Phoenix Financial Service They did not comply 5 days after speaking with me I requested validation and they did not provide They have failed to cease collection of debt.
|
| 04/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed Phoenix Financial # XXXX
|
| 02/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES LLC in the amount of {$1300.00}.
XXXX XXXX XXXX in amount of {$100.00}.
XXXX XXXXXXXX XXXX in the amount of {$6700.00}.
The following accounts above were open fraudulently. According to FCRA, these must be removed.
|
| 07/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICE says that I owe them {$440.00}. I do not know what this is and I have never had a contract with such company. I request some explination of such charges in detail because I do not believe this is mine.
Thanks in advance
|
| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Phoenix Financial Services sent a notice dated XX/XX/XXXX, trying to collect on a debt that was incurred back in XXXX. Today XX/XX/XXXX I received a phone call from the telephone # of XXXX, still attempting to collect a debt that is 7 years old.
|
| 05/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Phoenix Financial Services is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. The account number is # XXXX. This account is not mine and should not be on my credit.
|
| 05/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Financial Services is attempting to collect a debt not owed. The information as to where the debt is from is false, and the incessant phone calls from different numbers and verbal abuse from collecting agents has bordered on harassment.
|
| 03/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
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
|
| 12/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}
|
| 10/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This was an old account that was removed from my credit due the medical act appointmented by the President / Government.
The Medical ACT.
Phoenix Financial SE Original creditor : XXXX XXXX XXXX Opened : XX/XX/2022.
Balance : {$1800.00}
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I just received an updated that a collections account has been added to my credit report by PHOENIX FINANCIAL SERVIC XXXX, IN XXXX I do not have any past due accounts and I have not been contacted by anyone claiming to be from this company.
|
| 12/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2016 account reported by XXXX and the original creditor was XXXX XXXX XXXX XXXX XXXX with a balance in the amount of {$500.00} was removed from my credit files and reinserted on XXXX XXXX, 2016 under PHNX Financial services.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2013 Amount in collections is {$380.00} On this day there was no XXXX XXXX to see anyone at the XXXX XXXX so they gave to XXXX and sent home. Notified them that no medical exam was received and have not been able to rectify this.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
XX/XX/2018 A collection agency Phoenix Financial Services reported a past due owed to the establishment in the amount of {$570.00}. I was not notified that there was an account with them, nor do I have a signed contract with this agency.
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
|
| 07/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.
|
| 05/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix Financial Services.
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap.
PHOENIX FINANCIAL SERV ( Original Creditor : XXXX XXXX XXXX ), balance is {$320.00}, and account # XXXX
|
| 07/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, Phoenix Financial called 4 tines in a day, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX. Obviously they are calling more than once an hour, which is illegitimate collection tactics. This is harassment.
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PHOENIX FINANCIAL XXXX plus they did not provide me with the original application like I asked.
Account XXXX Amount Disputed : {$730.00}
|
| 08/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am presently XXXX within the XXXX XXXXXXXX XXXX XXXXXXXX XXXX. On the date of this alleged debt, I was in XXXX, as I had been released on XXXX I was no where near the location of the alleged debt, as I was not in XXXX at the time.
|
| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix financial is on my credit report. I disputed it on XXXX XXXX to verify accuracy because I have no knowledge of this account. It was completed XX/XX/19. I still dont know who the original creditor was and why I owe them money
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I just received a XXXX XXXX that a negative collection was added to my credit files with credit agencies. I did not receive any indication about this alleged debt, no notice, rights to dispute, etc. I have no clue what this debt is.
|
| 10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services LLC is attempting to collect a medical debt. I have not signed a medical release of information. The hospital sold my information to this agency that I was unaware of, and is in violation of the hippa law
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Phoenix Financial Services is reporting on XX/XX/2020 TWICE on credit bureaus for an amount of XXXX that I have absolutely no knowledge of. Ive tried to get it verified. I would like this investigated & removed as soon as possible.
|
| 09/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
An agent from Phoenix Financial continues to harassment after I have asked him to stop several times on several different occassions. His name is XXXX. He calls uo until XXXX at night. He calls from several different phone numbers.
|
| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I am making payments to different medical bills. They continue to call using bogus names and numbers! The last phone call was from XXXX XXXX, local number but told me they were Phoenix Financial and won't quit calling continuously
|
| 08/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
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.
|
| 02/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Phoenix Finance is saying that I owe XXXX dollars and it has greatest effected my credit score. Theyve lied and reported the nearly XXXX on my credit and that is completely false. I need help contesting this false information.
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Please provide Validation of Debt, Assignment of Debt, Method of Verification used. I will also send this request through the CFPB as I did not receive a notice in the mail to dispute this debt.
PHOENIX FINANCIAL SERV # XXXX
|
| 08/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 i checked my credit report and noticed a debt on my account i dont know who they are nor do i have any affiliations with them nor any of there party i never signed a contract with them verbally nor electronically
|
| 12/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This account appeared on my XXXX Report suddenly. I 've never received any documents from this company nor have knowledge of what this account is or if this account is mine. I have no knowledge of this account or this company.
|
| 04/09/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods
|
| 01/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a company called phoenix financial services on my credit report. This is saying its from a hospital bill. I do not owe this and was not ever informed about this bill. I have contested this but still shows on my report.
|
| 12/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX XXXXfell hurt my XXXX. had go to emergy room. had insurance that covered my vist never notifed of this dedt. that was sold to this dedt collector. without my knowledge. now has been reported and is now affecting my score
|
| 09/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report and there were multiple accounts from Phoenix financial services for a debt which does not exist and I never received a validation letter as required by the FDCPA before reporting to credit bureaus
|
| 07/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Never received any written documentation. Accounts showed up in my credit report twice. I asked for written documentation to validate debt and have yet to receive anything. The account is reporting twice, both are not valid.
|
| 10/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
Company has repeatedly called me from different nu.bers over a debt that is past the statute of limitations. Furthermore, company refuses to remove debt from credit report even though the statute of limitations has expired.
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$260.00}
|
| 09/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I recently received a copy of my credit report and realized some information was inaccurate. I would, therefore, want to file the following dispute ; I have the same name and address as my father this has to be a mix-up.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account with these creditors/collectors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Continual calling and not leaving voicemail. Called my wife and said I owed money for an XXXX trip back in XXXX Require proof from Phoneix Financial this is legitimate such as original invoice from XXXX provider, etc.
|
| 08/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with PHNX FINAN plus they did not provide me with the original application like I asked.
Account XXXX : XXXX Amount Disputed : {$1600.00}
|
| 10/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX complaint number from previous company who sold this debt to a different company 2 months ago ( XXXX XXXX XXXX ) sold to Phoenix Financial Serv this was paid by insurance these 2 company 's need to be investigated
|
| 09/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I NOTICE A ALLEGED DEBT FROM PHOENIX FINANCIAL SERVICE FOR THE AMOUNT OF XXXX $ THAT I DON'T OWE ON XXXX HAVEN'T HEARD FROM THEM OR RECIEVED ANY INFORMATION THAT I REQUESTED.I HAVE ATTACHED A COPY OF THE LETTER BELOW.
|
| 09/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix Financial Services has placed a collection on my credit profile claiming that I owe {$97.00} to XXXX XXXX XXXX. I have never been to that medical facility. Please remove this erroneous collection immediately.
|
| 07/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collections from company came up on my credit report XX/XX/2020. I Attempted to contact company via certified mail asking for proof of account and havent received a response because Ive never had an account with them.
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I get calls all day long from local numbers trying to contact me to collect a debt, which doesn't allow my call protect to work. I have called back to let them know to remove me from there list and they keep calling.
|
| 01/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$370.00}
|
| 02/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2020 a company named Phoenix Financial services LLC sent me a letter stating I owe them XXXX I have no knowledge of this account, Ive never received services from this company. I dont owe any money to them.
|
| 09/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Phoenix Financial Services in cohorts with XXXX XXXX XXXX XXXX, claim I owe them a medical debt of {$960.00} as of XX/XX/XXXX. Just received this mail today that was dated : XX/XX/XXXX. Scam! I do not owe any debt.
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a medical collection from Phoenix financial Also I have multiple inquiries That I have no clue about Months ago I was robbed and I guess because there was no password on my phone someone used my information
|
| 08/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX alerted me that i had a collection..i never got a bill or notification of this debt..i have signed nothing with this company.. I owe this company nothing..phoenix financial services..opened XX/XX/2019..
|
| 12/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved a copy of a collections bill from Phoenix Financial Services and would like debt validation from them and XXXX XXXX I have been disputing the validity of this debt and it continues to not be validated.
|
| 01/16/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The company put this on my credit report without notifying me of the debt, did not give the right to disputed, and reinserted an old debt as new debt on my credit file without giving me a five days notice first.
|
| 01/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICE {$490.00} I never used they service never have the account with them I called never pick up the number of the company is from somewhere else. I do some research the company is a fraud
|
| 03/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Since XXXX of 2022 I have been sending letters and asked for an itemize copy of bill. Im a victim of identity theft & have been reaching out to all three credit bureau. Ive sent documents as well no response.
|
| 10/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XX/XX/2018 I have spoken with XXXX to inform, I receive XXXX/XXXX benefits. I am also a veteran. XXXX informed me she would take of the account. I have not heard from XXXX to confirm account is taken care of.
|
| 04/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The company called me 5 times in 1 day. I called them back and they refused to tell me what the company was. He kept calling me names and telling me he wasnt playing games. This is ridiculous. Youre a child.
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account several times and have received nothing and didn't even know this was on my credit file until I seen it. I do not know nor ever went to this company or did business. Please help
|
| 02/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix Financial Services Refuses To Validate Debt Belonging To Me, Phoenix Financial Services Also added additional debts to my credit report for the amounts of {$450.00} {$1600.00}, XXXX, and {$1100.00}
|
| 08/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I've been disputing the collection since XXXX and it is still active onto my credit report. I've reached out to XXXX and the company and XXXX is working on other ways to dispute the fraudulent collection.
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Phoenix Financial Services has contacted me multiple times a day from multiple different numbers. I blocked two of them yet still receive calls from Phoenix on other numbers. This is a form of harassment.
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
The company did a report to my credit a medical bills with no reason because I have insurance and they didnt charge to my insurance or send the bill to me before, when the insurance already paid the bill
|
| 11/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COLLECTION AGENCY VIOLATED " MEDICAL PRIVACY ACT " HIPAA '', AND FDCPA, FCRA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER XXXX XXXXXXXX XXXX XXXX XXXX XXXX
|
| 11/15/2017 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had checked my credit report and seen a couple on there that I never got notice about. I contacted the company and XXXX answered requested validation of the debt he said he did not have to and hung up
|
| 10/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a medical bill from over 6 years ago that has been disputed and removed from my credit each time that happens they sell this to a new collection agency. This needs to be removed from my credit.
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2021, I filed a disputes with XXXX, XXXX, & XXXX in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigations results.
|
| 04/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 03/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They claimed that I have three accounts with them that I did not recognize, they did not respond appropriately to my debt verification request and reported three false accounts to XXXX credit bureau.
|
| 09/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from a collection agency for a debt that I don't owe. This is fraudulent and I have attached a FTC Affidavit and I want the collection account removed from my report as fraudulent
|
| 04/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I accrued medical debt when I was not on my own insurance at the time I was under my mothers. So because I was under her insurance at the time the bill in my name was wrong and it should be corrected
|
| 08/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Collections Company PHOENIX FINANCIAL SERVICE has been reporting negative information of a debt to XXXX credit bureau in which I do NOT recognize that I am the owner of this Debt of {$30.00} dollars.
|
| 11/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is multiple medical debt that is not owed nor is the amount shown on y credit report. Also there is debt shown more than once with the same amount. 4 of them should have been deleted already.
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hey, you are still the one who is reporting incomplete and inaccurate information on my credit. It's impossible that you don't know to report accurately. I need you to remove this from my credit.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting false information on all consumer reports and per the report says the account was opened 2020.
This is false as the account is not verified nor has it been deemed valid
|
| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$2600.00}.
|
| 10/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received my first letter from Phoenix Financial Services on XX/XX/23. Their letter states this was the 2nd attempt. I have never seen this before and do not know anything about this debt.
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Through XXXX, Pheonix Financial placed a debt that I was never made aware of. Twice Ive had to dispute this debt due to concerns about accuracy as there was no documentation regarding the debt.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
|
| 11/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
phoenix financial services resubmitted a old account as new from XXXX which is about to fall off on all three of my credit reports with a date of XX/XX/XXXX this is old and should be taken off.
|
| 07/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This was a medical debt covered by insurance and the provider did not file with our insurance policy within the 1 year allotted. This is from 2014 and being reported as if it happened recently.
|
| 05/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was resolved with the creditor. Debt collector sent me a confirmation letter that the account was closed. After the debt was resolved the debt collector still reported it to credit bureau.
|
| 10/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.
|
| 03/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES LLC Is a 3rd party trying to collect monies that have already been paid by my insurance company. Please remove all collections from all 3 credit bureaus immediately.
|
| 12/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is billing me for something I have no knowledge off and I have had it removed from my credit before and they put it back on my credit profile under a different collection company
|
| 12/29/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Abusive, disrespectful, demeaning statements were made. I asked how we could settle the debt and the person stated, " what are you going to do - avoid us like the other 24 debts you have? ''
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Phoenix Financial Service has placed a collection under my name which doesn't belong to me. I try to get them to remove the account, but they refuse to do it claiming that it is my account.
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt.
PHOENIX FINANCIAL SERV # XXXX
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted the creditor that was listed on my credit report to inform the company that this account doesn't belong me, nor have I authorized anyone to use my information for the account.
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt off inXX/XX/2020 I wasn't even aware I had a bill until XX/XX/2020and I paid it immediately. This is negatively hitting my credit report and I am beyond upset about this.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have not resided in Florida for over 3 years. This bill has a open date of XX/XX/2021. This is not my debt or this agency is in violation of the FCRA by posting old information as new.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 36 inquiries in my credit report and I have never applied for all those companies, the only thing I ask is that they remove that from my credit because that is damaging my credit
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
phoenix financial svcs paid debt collector XX/XX/21 XXXX still receiving phone calls spoke with spvr requests stop calling on XX/XX/21 as well received call XX/XX/21 for the same debt.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership that I really own this account.
|
| 08/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX I paid off my debt that has now gone into collections. I have the receipt and they still put it on my credit report in collections. It caused my credit score to drop 60 points
|
| 09/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen and many accounts was opened in my name without my Authorization.
Ive been trying to take care of this issue for a long time and Im getting the same results
|
| 01/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have suffered for many years the reporting of accounts that do not belong to me. I currently have a collection on my credit report from Phoenix Financial Services for {$1500.00}.
|
| 10/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I pulled my credit report and was alerted that there was a new collection item on there. From Phoenix Financial services. I was never sent a letter to validate this alleged debt.
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collection company Phoenix financial Services LLC is trying to collected a debt that is not mine, from someone in year 2014, in which the account pass 7 years reporting date.
|
| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There has been an account reporting on my credit report this month that I have no knowledge of. I reached out to the company without any contract shown that I have between them.
|
| 07/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have not received a validation letter from the collections company XXXX Phoenix Financial XXXX ) via mail or electronically. They opened this debt on my account on XXXX XXXX.
|
| 01/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt has already been taken care of in case ; Needs to be immediately removed from credit report. Company should've never purchased this debt. When there is no debt to collect.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I settled a collections debt from my credit report XX/XX/2021 and the creditor has not had the negative remark or sent me a letter as requested numerous times to that affect.
|
| 10/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This negative remark keep popping up on my credit a nd no recollection of this account and I have no contract with any third party because this account does not belong to me.
|
| 06/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial Services LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
|
| 09/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Unfortunately my daughters and myself have always had Medicaid which covers 100 % so i have no clue why this debit is on me. If this cant be resolved I will hire a attorney
|
| 12/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
More than 3 phone calls a day from Phoenix Financial, rude and assumptions behavior. Was told to stop contacting me but this has only increased their number of calls a day
|
| 12/18/2017 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to me.
|
| 04/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from Phoenix Financial Services Saying that a debt collection of XXXX was owed for a Medical Bill from XX/XX/XXXXthat was paid already.
|
| 04/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Phoenix Financial Services reported on my Credit Report that I owed {$710.00} to XXXX XXXX in XXXX. When I called the hospital they informed me the debt was paid in full.
|
| 11/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear, CFPB Phoenix Financial services is trying to re-age a debt for collection purposes. Therefore, cause serious problems with interest rates with my personal finances.
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Company received my information without my consent. My information was reported without my consent per HIPPA. It is against the law to release my information per HIPPA.
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed an account From XXXX XXXX XXXX XXXX and it was removed in XX/XX/2019 it was added back to my credit report XX/XX/2019 I disputed it again and is still there
|
| 08/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the whole medical debt in 2015 with another debt collector. Now this new company is trying to charge me another amount 4 years later that I paid my whole debt.
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019 this account was opened and reported to the credit bureaus for {$370.00}. This is not a debt I own and have not accounts with this collections agency.
|
| 01/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not give Phoenix collectors permission to buy my information from another company. This is a very old debt almost 6 years old. I know nothing of this company.
|
| 12/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I have called Phoenix Financial numerous times to get this off my credit. It was paid on XX/XX/2020. They say they will report as paid off but yet its still there.
|
| 03/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is a Business and they called asking for a individual who does not work here. They would not identify themselves, the company and just hung up on me 2 times!!
|
| 09/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Client has called my wife several times about a medical bill discussing the debt and giving her detail of the debt. I have asked to to stop calling several times.
|
| 03/18/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.
|
| 07/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.
|
| 06/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
PHOENIX KEEPS SKIP TRACING MY CELL NUMBER FOR A THIRD PARTY, 16 CALLS FROM ( XXXX ) XXXX, I HAVE SCREEN SHOTS AND RECORDS IN ORDER TO FILE A CLASS ACTION EFFORT.
|
| 12/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted them regarding a hospital debt for {$630.00} and another hospital debt for {$1700.00} that was paid by insurance they insist this debt is still owed.
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been called four times in two hours just today XXXX / XXXX / XXXX alone. The company that has called me repeatedly is Phoenix financial services.
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have no knowledge of this at all I never went to the hospital. I believe someone used my identity to go to the hospital. Or the hospital got the wrong name
|
| 12/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company continues to report false debt on my credit report. After trying to validate this debt, they lacked the information that would prove it is mine.
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I KEEP RECIEVEING HOSPITAL BILL FROM RANDOM HOSPITAL ABOUT BILLS I DID NOT THIS IS THE SAME PROBLEMS I HAVE BEEN HAVING I HAVE INSURANCE THIS IS NOT MY BILL
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 09/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection agency keeps calling after I have asked them on several occasions to not call my cell phone. I advised them I do not have any accounts with them.
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This MEDICAL debt was part of a car accident. I PAID EVERYTHING as of 2018. They are trying to collect AGAIN. I have called and they were VERBALLY ABUSIVE.
|
| 07/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debit was part of the lawsuit which was settled. I notified the collection agency of my attorneys names, but instead they demanded I provide court records.
|
| 11/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this bill, I contact the 1st party and the collection agency both stated will have disputed and closed out. This is now on my credit reported.
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
|
| 12/10/2017 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a letter from credit reporting agency that there was a change in my credit file. Do not know this company or why they appear on my credit report.
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never been notified of this debt nor is this mine, I have disputed several times with nothing received back. Please help Phoenix Financial # XXXX
|
| 06/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a demand for payment from a company requesting payment in the amount of {$1500.00}. I have not ever received any services from this company.
|
| 03/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
PHOENIX FINANCIAL XXXX HAS BEEN CALLING MY PHONE TO COLLECT A DEBT THAT I DO NOT OWE UNDER A NAME THAT IS NOT LINK TO ME NOR MY SOCIAL SECURITY NUMBER
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have recently received my credit report and I've noticed accounts that I have never applied nor had communication with, Its hurting my credit score.
|
| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Phoenix Financial XXXX is attempting to collect an amount of {$830.00}. I do not owe anyone any money or have a reason for this charge.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result.
|
| 07/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE AN ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THATS NOT MINE.
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company calls 5 to 6 times a day for the past.6.months. In the state.of Texas that is harassment and if it continues I will.be filing charges.
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They open another collection of {$1300.00} from me last XXXX XXXX2021 which is not part of my bill and I did not file any financial help from XXXX.
|
| 11/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Per my credit report Phoenix collection has placed the same charge on my credit report twice. Which is double charging me for the exact same debt.
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX XXXX {$1300.00} I am a victim of fraud this debt does not belong to me from XXXX XXXX response Please remove this debt from my credit
|
| 07/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This medical debt is not mine my purse was stokden with insurence cards id and everything in it it has been a used many times without permition
|
| 08/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I keep seeing a collection debt in my credit, but never received written notice of owing a certain amount. I want this removed from my credit
|
| 07/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix financial debt does not belong to me and I called them to verify it and the information doesnt match. Remove it from my credit report
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHNX FINAN is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHNX FINAN is claiming that I owe them {$150.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 01/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter asking for verification of debt. It's been over 30 days and the debt hasn't been verified and remains on my credit report.
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES based in Indiana, removed an old debt and proceeded to add it back onto collections as a new debt ( Re-age ).
|
| 08/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have no idea who either one of the agencies are that I supposedly have this debt with. I dont not ever recall being at XXXX XXXX XXXX
|
| 01/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This a collection notice for medical for a work comp accident. This is an illegal collection attempt under the work comp laws of Texas.
|
| 06/09/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
XXXX XXXX XXXX is threatening to send my file to a collection agency and file on my credit reports even though I am paying every month.
|
| 04/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not have any knowledge of the debt with this medical provider. Nor they have gave me any information of verification this debt.
|
| 11/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2020 {$930.00} I attempted to call this company I have zero knowledge of this account and it needs to be removed immediately
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have no knowledge of this collection account Phoenix Financial Service and would like to have it removed from my credit report.
|
| 06/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Phoenix financial is in violation of multiple FDCPA violations and is reporting inaccurate information on my consumer credit file
|
| 04/13/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I would like this debt to be verified. I do not have a contract with Phoenix financial service in I would this debt to be Verfied
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I believe I am a victim of identity theft. I have a charge on my credit from PHOENIX FINANCIAL SERVICES that I do not recognize.
|
| 10/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
It was it my medical bill in the year 2020, this company Phoenix Financial Serv put correction in my credit without let me know.
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Phoenix Financial acct # XXXX DOS- XX/XX/2017 {$2200.00} I have sent them a certified letter requesting verification about this.
|
| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am being charged over 300 $ from something called phnx finan and I would like to know what this is if I'm going to have to pay
|
| 01/10/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Requested verification only received a bill that did n't complete the request. Then they reported it to the XXXX credit bureau.
|
| 10/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
END OF XX/XX/2022, PHOENIX FINANCIAL XXXX MY MEDICAL INFORMATION WITHOUT MY CONSENT THEY PUT A BAD MARK ON MY CREDIT REPORT
|
| 02/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a debt with them before I paid it over the phone in full now they want $ XXXX Again why if I paid it in full once?
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft I did not authorize these accounts need to be removed immediately as they are fraudulent
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.
|
| 01/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has violated my XXXX rights by sending my personal information to a third party without my consent.
|
| 06/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is a unknown medical charge of {$590.00} which no way do I owe. I have disputed and received nothing. Please help
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 11/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Unknown account listed on my credit file which I do not owe. Please help I have disputed with nothing being received
|
| 10/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX PHOENIX FINANCIAL SERVICE XXXX XXXX told me that the her reports told stated someone went there for major XXXX
|
| 09/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt, I do not have a medical bill with this company. Please remove due to me refinancing my house.
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid off through XXXX XXXX XXXX on XX/XX/2018 This other company is trying to collect the same debt.
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.
|
| 04/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account was closed they reopened it like it happened this year trying to get my credit straight to buy a car
|
| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My medical insurence already paid that bill and the third party is trying to collect it from my person illigaly
|
| 04/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is some medical bill that in not owed and would be covered by my medical insurance which has never lapsed.
|
| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX been to XXXX emergency physicians on XX/XX/2020. I was in the state of wyoming at the time identity theft
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The debt is not mine and the company has not provided me with any proof or verification that I owe the debt.
|
| 07/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe them any money I have no idea who this company is. I have never went through this company.
|
| 06/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They said amount is XXXX for a service on XX/XX/2020. I need proof this is me and they never sent it.
|
| 03/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Some medical debt that I have no idea what it is. I havent went to hospital or seen a doctor in years
|
| 01/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On credit report in error. No proof of debt has been provided. Please remove from my credit bureaus?
|
| 03/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has not provided verification or validation of this debt. This does not belong to me
|
| 01/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
|
| 09/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
COLLECTION COMPANY REPORTING ID FRAUD ACCOUNT AND VIOLATED MEDICAL PRIVACY ACT " HIPAA '' ...
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I was billed a hospital bill fromXXXX wasnt my bill made police report now it reopened again
|
| 11/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Multiple phone calls regarding debt owed. My personal information was compromised with XXXX
|
| 11/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This medical account does not belong to me and i think it's part of my identity theft case
|
| 11/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE
|
| 12/16/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am not responsible for this alleged debt. I ask for verification and this what sent.
|
| 11/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL SERVICES HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.
|
| 08/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i recently obtain a copy of credit report and noticed accounts i did not authorize
|
| 04/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX its not on XXXX but its on XXXX and some hard inquiries I want you off
|
| 11/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANICAL SERVIC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
|
| 01/05/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Payments were paid to XXXX funds, and my loan was sent to collections anyway.
|
| 02/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of.
|
| 04/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This account is not valid and needs to be removed from my consumer report.
|
| 03/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PHOENIX FINANCIAL is attempting to collect on an account that is not mine
|
| 04/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
report XX/XX/2018, {$1900.00}, I filed for Identity theft with the FTC.
|
| 05/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a medical debt on my reports. I have no knowledge of this debt
|
| 12/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
PHOENIX FINANCIAL IS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT FILE
|
| 12/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021 THE COMPANY PLACED IT ON MY CREDIT AND IT IS NOT MY DEBT.
|
| 09/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A Negative mark was reported on my behalf that doesn't belong to me.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Credit Reporting Agencies and Collection Agencies violated the Law.
|
| 01/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collections account reported on my credit report that is not mine.
|
| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
disputed debt time after time company will not validate the debt
|
| 01/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
UKNOWN ACCOUNT IN THE AMOUNT OF {$640.00} ORIGINATED XX/XX/2017.
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company has an account on my credit report thats not mine.
|
| 12/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have submitted my medical insurance on multiple occasions.
|
| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been asked for paper work that I have no knowledge of
|
| 09/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was getting Medicaid through the government at that time
|
| 11/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My credit score was harmed My hippa rights were violated
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no record of this debt and it is not mine.
|
| 09/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I need verification of this debt on my credit.
|
| 01/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Disputed charges XXXX. XXXX, 2021 {$1100.00}
|
| 12/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no knowledge of said debt.
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
INACCURATE INFORMATION NOT MINE
|
| 10/02/2018 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
My XXXX covered all my expenses
|
| 08/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Sold my identity theft.
|
| 10/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is not my debt.
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 11/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 10/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 08/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 06/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 04/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 03/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Referral |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 08/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
Servicemember |
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 08/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/13/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
|
| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|