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The Phoenix Recovery Group

Phone: (210) 822-8272 Fax: (210) 366-2627 View Additional Phone Numbers 2939 Mossrock Ste 220, San Antonio, TX 78230 http://www.theprg.org View Additional Web Addresses


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BBB Accreditation

A BBB Accredited Business since

BBB has determined that The Phoenix Recovery Group meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for The Phoenix Recovery Group include:

  • 28 complaint(s) filed against business
  • Length of time business has been operating
  • Response to 28 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

28 complaints closed with BBB in last 3 years | 13 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 24
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 4
Total Closed Complaints 28

Customer Reviews Summary Read customer reviews

1 Customer Review on The Phoenix Recovery Group
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

BBB file opened: August 01, 2001 Business started: 02/14/2002 in TX Business started locally: 02/14/2002 Business incorporated 02/14/2002 in TX
Type of Entity

Corporation

Business Management
Mr. Frank Gamboa, President Mr. Eric Allen, Director of Operations Ms. Elia Dalton , Director of Business Development Mr. Mike White , Floor Supervisor
Contact Information
Customer Contact: Ms. Elia Dalton , Director of Business Development
Principal: Mr. Frank Gamboa, President
Related Businesses
PRG Asset & Recovery Holdings, LLC
Business Category

Collection Agencies

Alternate Business Names
Tolteca Enterprises, Inc.

Customer Review Rating plus BBB Rating Summary

The Phoenix Recovery Group has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A-.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 2939 Mossrock Ste 220

    San Antonio, TX 78230 (800) 810-7623 (210) 822-8272 21082282726000

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

8/23/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This account was from an apartment that I was interested in back in (2010)I found another complex that was less expensive and decided not take the apartment at rosemont crossings, after talking to the apartment manager the same day i was approved she agreed and stated I would lose my deposit and I understood and agreed. Several months later I receive calls stating I owe over 8,000 which was never explained what that consisted of and I didn't agree with that at all because I never lived there! I reached out to rolling ridge and they have no record of me residing there and can't tell me why I would even owe that money or the amount they were totally clueless about it and couldn't pull up any information on me. I now see that the amount has increased up to 16,000 which unacceptable and no one can tell me what it's for! I have done a bit of research and see I am not the only one who is reporting that phoenix recovery group is reporting ridiculous amounts that are incorrect. And just the last two weeks they have increased amount by almost 300.00 dollars, what is going on?! This is impacting my credit tremendously and I am trying to rebuild it but this collection is not valid.

Desired Settlement: Remove account from credit report.

Business Response: Upon review of the file from our client for ****** ********, she moved in on July 7, 2010 and moved out September 20, 2010. Her contract was in force until 6/30/2011. Much of her fees were due to accelerated rent and interest accumulation. I have adjusted her balance less the accelerated rent and waived the interest Her balance today is 3,440.58. Please have her call ***** at ************ or myself at ************. We would like to discuss a payment plan that will work for Miss ********. Thank you, **** ******

Consumer Response:

Complaint: ********

I am rejecting this response because:

I don't feel I'm responsible for any amount for the simple fact that I didn't live there. The manager was rude to start with and didn't tell me anything about moving in only stated I would lose my deposit which was 250 I believe. What is the 3,000 for?


Regards,

****** ********

Business Response:

The apt manager must have given Miss ******** a concrete document that she was released from the signed lease contract. She needs to provide this document in order to be released from the lease contract requirements. We need a working phone# to reach her because at this point she has not reached out to PRG to go over the lease and the requirements that are set within the agreement. We will also email her all the attachments that pertain to the contract however we have only had communications with Miss ******** through the BBB. Please call ***** at ************ to further discuss. Sincerely, **** ******  

7/29/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Recently I reviewed my credit reports from Equifax, Experian and TransUnion and noticed that Phoenix Recovery Group is reporting a debt on my credit reports that I do not owe. I've sent them certified letters requesting that they validate this debt. I received a letter from them in May 2016 with a signed copy of my lease and documents stating that I owe monies for rent in November 2012. I sent Phoenix Recovery Group another certified letter which they received on May 23, 2016 presenting them with an email that I received from the Property Manager confirming that he was in receipt of my apartment keys on November 2, 2012. I moved into my new apartment on October 27, 2012 which I have the lease for this. How can I owe a debt for the entire month of November if I returned the keys back to them on November 1, 2012? I have not heard back from them in regards to the email that I sent and was received on May 23, 2016. After further research I found of that this company is not even legally licensed to collect debts in the state which I'm a resident of, FL. In addition, they have falsely misrepresented themselves as my credit reports list them as a Collection Agency/Attorney. I contacted Mr. **** ***** to advise him that they are reporting incorrect information on my credit report and that I want this removed especially since they are not licensed to collect in FL, not Phoenix Recovery Group or their parent company. I have recently been denied credit because of this collection account, this is damaging to my reputation, as I am in the process of starting my own business and this debt haunts me.

Desired Settlement: At minimum I would like all traces of this debt to be deleted from ALL three Credit Bureaus. I requested statutory damages in the amount of $1000 but I understand that the BBB cannot seek these on my behalf.

Business Response: I have thoroughly researched, reviewed credit reporting agencies and your collection balance has been validated. The balance submitted to our collection agency by our client 1203.00. There is an administrative collection agency fee that is added to your balance for 50.00 which brings your balance credit reported for total collections as 1203.00. The fees listed from our client has been already sent to you however are for cleaning, carpet damage, rent/October/November,. They applied security deposit and balance owing is 1153.00. This account has been reported accurately as disputed by consumer.  All 3 credit bureaus reporting same balance.We did check with our compliance department and licensing is not required because we don't actively pursue collections in the state of Florida. So we are exempt. We consider this consumer dispute as frivolous. Miss ***** has disputed this account various ways via through the 3 credit bureaus and through our agency over 10 times. We hope that she can call and we will work with her to come up with a payment arrangement that will work for her. I can be reached at ************. Sincerely, **** ******

Consumer Response: Complaint: ********

I am rejecting this response because:

Regards,

******** *****

7/19/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I recieved a collection letter from Phoenix group mid May...called the business to try to resolve issue and was yelled at by ******* who repeatedly asked me why i was calling if i couldn't pay my bill. I immediately hung up. Mid June ******* calls me back and tells me to pay up. I spoke to her superior who informed me she was "just doing her job"..

Business Response: I have thoroughly investigated this customer service call for quality assurance by reviewing our agent notes and I listened to all the recorded messages made by our agent and incoming messages from Miss *********. I found no yelling by our agent as Miss ********* claims. Miss ********* was patient in the beginning of the call, listened to our agent as she read the other charges due besides the judgement that the court appointed to her as owed rent. The 2nd phone call that my agent made to Miss ********* was one sided as Miss ********* was angry that our agent had reached her again to offer a payment solution. Miss ********* used profanity words to our agent and asked to speak to a supervisor however did not let the supervisor speak and hung up before we could propose a payment plan. Since Miss ********* confirmed that she only owed the judgement amount that the court appointed as she said it was for 559.00, I called our client and received a last statement of deposit form. The final amount is for $1,590.85. I can assist Miss ********* with a proposal on a payment plan that can work for her. Please call **** ****** at ************ or **** ***** at ************. 

7/19/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is the first letter I have received from you and didn't know anything about this. I am very upset and the only thing I can do is set up a payment plan with you an hope that you will work with me, because I am currently unemployed and am taking care of my parents. Please send me a statement and I will start making payments on this to get it cleared up. The account number is ************* and the ungodly amount of $4227.61. I cant believe the amount, so I will try and resolve this problem with your help. Thank You

Desired Settlement: payment plan

Business Response: In doing research on this account I noticed that Miss ***** ******* made a payment in December 2015. We have been able to communicate with her by the email she provided through the BBB system. A payment arrangement has been made and Miss ******* has agreed to make 100.00 monthly payments until balance is paid in full. What we hope for is a working phone # as we have tried reaching her by phone and received no answer. We do thank Miss ******* for emailing us and confirming her commitment to PRG. I can be reached at ************ Thank you. **** ******

6/6/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am being billed for a fraudulent account that I never opened. I spoke with ******* and explained my situation about being an Identity theft victim. After she even confirmed that they had no physical proof of any of my documents, she still had the nerve to ask me for a portion of the amount and then she would remove it off my credit report! Why would I pay for something I am not liable for? I have a police report and a report filed with the FTC! This should be more than sufficient to remove this account!

Desired Settlement: I want this account removed from my credit report! Do your job and find the person who is liable!

Business Response:

Ms ******* ***** please forward over the copy of police report and your drivers license or a form of ID with the signature part. We will compare signatures and if they don't match with the document signature we have on file we will delete the account from our database and from the credit bureau files. The account has already been coded as "Disputed by Consumer". If you have further questions please contact me at ************. Sincerely, **** ******

 

 

4/5/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I lived in these apartments some time ago with my ex wife. When we left the apartment, we were given a bill for "pet fees" with back dated fees from the time that we moved in. We did not own any pets nor did we receive any notices that they believed we had any pets. I was under the impression that they issued the letter to the wrong person. Now, five years later, I found out it has been on my credit report. I wasn't sure which apartments these were for because I have lived in many apartments over the last few years. I contacted the creditor thinking this was a balance that I owed for an old apartment and they told me I could pay 50% of the fees (the other 50% are my ex wife's responsibility) and they would remove this from my credit completely. When I called back to get a breakdown of the fees, I was informed that they would still show this on my credit report whether I paid my half or not and I was then informed of which apartments these fees belonged to.

Desired Settlement: I need clarification on this, a break down of the charges, and correct information regarding the process that will allow me to have this removed from my credit. I had never owned any pets while living in these apartments.

Business Response:

Dear Mr. ******* ******,

I have reviewed all the docs that were originally sent to PRG by our client. Their last statement of detail states that you left early because of a conflict with their management and we have recently re-emailed you the statement for your review and clarification of those fees. In reviewing the lease I do not see a pet deposit fee so I have removed the 90.00 pet fees. We would like a return phone call from you to re-visit the settlement offer that was proposed to you by several of our agents. We are prepared to update the collection tradeline to reflect as required by the FCRA as "account settled for less than full balance." Please reach out to Miss ********* ******* at ************ or **** ***** at ************ or myself **** ****** at ************. Sincerely, **** ******

3/22/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They have sent me a collection from some apartments I lived in for cleaning fee's over $700. I sent them proof that the charges were false and then they sent me back a new collection notice for the same apartments but had a more recent date and the charges are now $254. On my credit report they have reported on Equifax that I owe $432 and on trans union they reported that it was included in chpt 7 bankruptcy. Then I also have a company called ****** ******** on my credit for something called sured deposit also in the amount of $254. Do they use different company names to keep reporting negative accounts over and over on my credit? also anything included in bankruptcy should not be reported for recent collections, by law they are not suppose to harass you when you enter into Chapter 7.

Desired Settlement: I want this removed from my credit report now!!!

Business Response:

Tell us why here...We found one collection account on our system that was placed with our company for collections.  We examined the public bankruptcy information from the bankruptcy court of the Western District of Texas and noticed that Ms. ******* did not include this debt in the Ch 7 bankruptcy she filed.  Following federal law, a consumer is only granted bankruptcy protection on accounts that they put on their list of creditors so the debt is still legally owed.  We emailed (see the email below) this information to Ms. ******* at the email address that she provided and advised that we would mark the account as "disputed" on her credit report and to call us if we can provide her with any further assistance.

Email:

 

********,

We received a complaint from the Better Business Bureau and although it took a while to locate an account under your name, I was able to find one for The Club at Stone Oak apartment.  We have investigated your bankruptcy and did not see where our company is listed under the list of creditors that is afforded bankruptcy protection.  Unfortunately, we cannot remove the balance due but I will mark your account as disputed for credit reporting purposes ---please see the list of creditors below that you filed in the Western District of Texas.  I do not show that we handle the Sure Deposit account—Hunter Warfield may handle this account.  They are a separate company from ours.  Please call or email me if you have any questions-- 210.822.8272.

This is your list of creditors included in your Ch. 7 bankruptcy—Western District of Texas:

Label Matrix for local noticing U.S. BANKRUPTCY COURT Allen Stein & Durbin PC

0542-5 615 E. HOUSTON STREET, ROOM 597 PO Box 10157

Case 15-50302-rbk SAN ANTONIO, TX 78205-2055 San Antonio, TX 78210-0157

Western District of Texas

San Antonio

Thu Mar 10 17:22:57 CST 2016

Association Management Services Bexar County Tax Collector Broadway National Bank

1600 NE Loop 410 PO Box 2903 1177 NE Loop 410

Suite 202 San Antonio, TX 78299-2903 San Antonio, TX 78209-1585

San Antonio, TX 78209-1613

Capital One Cavalry Portfolio Service Citi Mortgage

PO Box 30281 500 Summit Lake Dr PO Box 6243

Salt Lake City, UT 84130-0281 Valhalla, NY 10595-2322 Sioux Falls, SD 57117-6243

Coal County Tax Collector County of Comal Credit Systems International

205 N Seguin c/o Lee Gordon 1277 Country Club Lane

New Braunfels, TX 78130-5005 P.O. Box 1269 Fort Worth, TX 76112-2304

Round Rock, TX 78680-1269

HSBC IQ Data Intl, Inc JC Penney

PO Box 9 PO Box 3568 PO Box 965007

Buffalo, NY 14240-0009 Everett, WA 98213-8568 Orlando, FL 32896-5007

(p)NATIONSTAR MORTGAGE LLC Paramount Recover Systems (p)PORTFOLIO RECOVERY ASSOCIATES LLC

PO BOX 619096 111 East Center St PO BOX 41067

DALLAS TX 75261-9096 Lorena, TX 76655-9651 NORFOLK VA 23541-1067

Regency at Lookout Canyon Santander Consumer USA Sears

25675 Overlook Parkway 8585 N Stemmons PO Box 6269

San Antonio, TX 78260-2508 Suite 1100 Sioux Falls, SD 57117

Dallas, TX 75247-3822

TNB Visa United States Attorney United States Trustee - SA12

PO Box 673 601 N.W. Loop 410, Suite 600 US Trustee’s Office

Minneapolis, MN 55440-0673 San Antonio, TX 78216-5597 615 E Houston, Suite 533

PO Box 1539

San Antonio, TX 78295-1539

Veriprise Processing Solutions Victoria’s Secret John Patrick Lowe

750 Hwy 121 Bypass PO Box 182789 218 North Getty Street

Suite 100 Columbus, OH 43218-2789 Uvalde, TX 78801-5204

Lewisville, TX 75067-8199

******** E. ******* Travis E. *******

26338 Walden Oak 26338 Walden Oak

San Antonio, TX 78260-6007 San Antonio, TX 78260-6007

Eric Allen

Director of Operations

The Phoenix Recovery Group

eallen@phoenixrecoverygroup.com

210.822.8272

Consumer Response: Complaint: ********

I am rejecting this response because: I am well aware we did not include this in bankruptcy,  because we dont owe the apsrtments any money. It is a false claim. My credit report does nit show phoenix listed in any bankruptcy,  it shows it under COLLECTIONS...IN THE REMARKS UNDER THE COLLECTION ACCOUNT IS STATES: filed BANKRUPTCY..A collection account not included in any bankruptcy shouldnt be commenting on anything else in a credit report thst has nothing to do with who you are collecting for. Kind of like you posting my file in a response.  Dont you think I know what was included? And if this was an accurate debt to an apartment I would have included it. 

Regards,

******** *******

Business Response:

We have made adjustments and lowered the balance due according to what our client is due.  I have attached a copy of the charges.  We will report the new lowered amount for credit reporting purposes.  Thank you.

2/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently looked over my credit report and notice a collection account with The Phoneix Recovery Group for the Reserves apartments. I previously disputed, sent letters and emails for debt validation. I got into contact w/ a representative that is supposedly handling the account. I advised the representative by email that my lease was terminated due to going on the BCT. I provided my orders and 30 days notice to vacate to the manager Inez at the time back in 03/2015. I intended to vacate 04/2015. I provided the orders and notice, cleaned the room, and come the end of march, turned in my keys and was given back my rent payment of 499.00. As of today I have a balance on my credit report of 4,586.00. The representative stated the balance owed is 4,712.80 including broken lease charges, previous rent due (the amount returned to me), late fees, and cleaning fees. It was also reported on my rental history of having a broken lease. The representative stated to provide the orders and notice to vacate in which I did. She then went on to say IF I DONT PROVIDE THE RECEIPT FROM THE MONEY ORDER GIVEN BACK TO ME, THE BROKEN LEASE AND BALANCE WILL REMAIN ON MY CREDIT. According to the FTC and SCRA, I am to provide at least 30 days notice and the orders to terminate the lease. I provided it at the time and NOW to the collection, yet she is stating they will not remove this from my credit report and the broken lease from my rental history. With the proper documentation in their hands, I demand the balance be removed from my credit and the broken lease be removed from my rental history report. If not I will be seeking legal assistance and contacting FTC for violating laws and guidelines.

Desired Settlement: I demand this be removed from all credit reports and the broken lease to be removed from my rental history.

Business Response: I have thoroughly researched/reviewed Miss ***** ******* file with the application, lease and move out documents. Also verified with the Reserve Apartments to make sure that they didn't miss sending the paperwork/orders to PRG. They do not have any notes or paperwork pertaining to the orders or a notation that they remitted a check back to her for 499.00 upon move out.. Miss ******* needs to provide a copy of the orders or obtain a copy of those orders through the military personnel files department. Upon her request I will email her copies of the docs that we have for her review. She can call **** ***** at ************ or myself **** ****** ** ************ and we would be more than happy to further assist her. Thanks, **** ******

Consumer Response: Complaint: ********

I am rejecting this response because: I provided my orders and notice to vacate to the assistant answer at the time INEZ. She obviously no longer works there and the Reserves have new management. So of course they are clueless. It's not my fault nor responsibility if the assistant property manager at the time didn't do her job correctly. I also provided these documents to ****** ****** who works for PRG and asked that she send me debt validation. If I already provided the proper documents to get rid of this debt IM NOT SURE WHY THERE IS BACK AND FORRH. I already advised if this isn't corrected that I will seek legal assistance and contact the FTC. 

Regards,

***** *******

Business Response: I have re-researched the documents emailed to ****** ******. I will accept the military orders that you provided. I further authorize removing charges for April and May's rent totaling 998.00 as well as the unlawful move out charge of 424.15. As you agreed on a recorded phone call with ****** ****** that you do not dispute the remaining charges of 3,290.65 for past due rent, late charges and cleaning fees. It would be in your best interest to pay this amount right away to avoid further interest being applied to the account. Please call ****** ****** at ************ or email her at ************************** to make arrangements on this balance due. You can also call **** ***** at ************ or myself at ************* Thank you, **** ******

Consumer Response: Complaint: ********

I am rejecting this response because:
I NEVER SAID I DONT DISPUTE THE PAST DUE BALANCE. My focus was the broken lease and getting that off my rental report and credit. I need debt validation of the entire debt. I also will need this broken lease off on my rental history report. I emailed ******* the entire day and told her I am disputing the entire balance. I WILL LIKE DEBT VALIDATION AND STILL HAVENT RECEIVED ANYTHING. You keep saying past due balance and yet hasn't provided proof. The reserves manager put a broken lease on my rental history report and a balance when in fact I DID PROPERLY END MY LEASE. so whose to say the balance is actually factual. I WILL LIKE DEBT VALIDATION. I'm not paying anything I'm not responsible for. AGAIN BY LAW YOU HAVE TO ROVIDE DEBT VALIDATION. You guys have yet to do that. THE BROKEN LEASE TOTALED MORE THAN WHAT YOURE CLAIMING. You have my email address send over the debt validation. I AM DISPUTING THE ENTIRE BALANCE.
Regards,

***** *******

2/10/2016 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a collection account that has a balance of over $10k for an apartment that I vacated while attending college in 2011-2012. The account balance I received from the apartment complex as of 11/9/2012 was $2990. The collection company reports the balance as over $10k. I checked my credit report for the 1st time ever in 2/2015 and saw that the collection company opened the account 2/2013, but the balance was already at over $8k. *Left the complex in November 2012 with a balance of $2990 *February 2013- collection agency reports balance of over $8k *Monthly rent was $415 and another person did move into the room within 2 months of my departure. On July 6th, 2015, a letter of validation was sent to Phoenix Recovery via certified mail to validate the debt, as the amount is extremely high and I have not received anything from the apartment complex or any paperwork from Phoenix Recovery, stating the additional charges were owed between Nov 2012 and Feb 2013. The letter was also sent to all 3 credit bureaus. Phoenix Recovery did not respond to the letter; not even to this day.. Although, they did respond to the credit bureaus. None of the credit bureaus will remove the debt, even though Phoenix Recovery has not complied with the Fair Debt Collection Practices Act. The letter included my updated mailing address and phone number so there is no reason that Phoenix Recovery would be unable to contact me. I also tried to contact the apartment complex, which had changed property management companies so the current company has no access to the ledgers of former residents. I understand I have an obligation to pay for the balance of the debt plus applicable fees for the last few years, but the balance is extremely unreasonable and unjustifiable. I also cannot pay a company that does not communicate with me. I appreciate any assistance in resolving this matter so I can satisfy my obligation.

Desired Settlement: I would like a specific ledger of how the collection amount went from $2990 to over $8k and also the specific fees that have been charged since to bring the balance to over $10k. I would like to settle the account for a reasonable amount that covers the balance I owed at the time of vacating the apartment, $2990 plus reasonable and applicable fees for the last 3 years

Business Response: Please provide your email address as we are prepared to send you a copy of your itemized statement. We will negotiate a settlement for the past due rent plus collection fees per contract. Also contact our floor supervisor ***** ********** ** ************ or email her at ***************************** as she is familiar with your account. Thanks, **** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. The amount was corrected and payment is arranged to be sent.

Regards,

***** *****

12/31/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection letter from the Phoenix Recovery Group a few months ago. I sent back the statement asking them to show me proof that I owe the debt. They did not respond. Today (12/15/15) I received another letter from them stating that I owe the same debt. I called and asked them to please provide me with proof that I owe this debt. They refused to provide any proof of the debt. She just kept saying, "You signed a contract", as if that proves that I owe anything. I would like to see actual paperwork as to what I am being charged for as is required by the Fair Debt Collection Practices Act. I would also like my credit report to show that this debt is in dispute.

Desired Settlement: I would like to see actual paperwork as to what I am being charged for as is required by the Fair Debt Collection Practices Act. I would also like my credit report to show that this debt is in dispute.

Business Response: Our notes reflect that **** ***** is disputing this collection account and our system has been flagged consumer is disputing. Our online credit bureau reporting monthly method should reflect the dispute in 30 to 45 days, however we also completed a manual universal data form # ******** to include the consumer dispute language, should take less than 15 days to complete. The docs/paperwork from our client ***** **** ** were emailed on 12/16/2015 to **** ***** at *************** and were also mailed to her. We would like Miss ***** to call ***** ********** floor supervisor to further discuss any questions or concerns she may have about the account at ************. Thanks, **** ******

10/12/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I left multiple voicemails after speaking to agent once prior to yesterday 10/09/2015 @ 108 PM. I recently financed a brand new vehicle and when I went to check how it affected my credit score (good or bad) I noticed this odd derogatory mark in collections. So I clicked to see what in the world it could be and it was PRG (ThePhoenixRecoveryGroup) from Forest Hills Apartments in Dallas, TX. Mind you I have lived and OWN my house for 10 + years @ **** * ***** *** ******* ** *****. So I called them and was very respectful and patient even though I was upset about this fraudulent collection that was placed on my credit report. The first agent actually hung up or disconnected call with no return courtesy call to address this issue. I can't get anywhere with this agency and they aren't willing to even put the slightest effort to EVEN look into this matter. I told the agent I would do anything and provide whatever is needed to get this off my credit report immediately. I wanted to know how I can prove my identity and show their charge is fraudulent! Again I have lived in the same house for ten plus years and where the apartments aren't anywhere close to where I live! I have never lived in that area or even been to this part of town. I also been in contact with the Corporate Office of Forest Hills Apartments and she informed me that they have never used this company (PRG) and I should diff get to the bottom of this bc nothing is matching up. The Coporate Office with Forest Hills Apartments tried to find my information in their system and couldn't locate my name anywhere. Then I was given the correct collection agency they use NCC and Customer Service number they gave me was **************! So I proceeded to contact them after hanging up with Coporate and gave this collection agency my Social Security number and they couldn't locate my name or nothing! No History yet again with these apartments! So it really bits the odds out of me how PGR got my Social Security and accossiated my information with these apartments when the Coperate Office themselves have no clue of why they had my information mixed with them especially since they never used PRG. The most amazing thing to me is no one could locate not even my name or a single piece of me in their systems. So I am reaching out to you BBB in hopes you could get me a reasonable response with a plan of taking care of their fraudulent collection on my credit report! I understand it could take up to over a month n that is fine! Ppl even me make mistakes we are human but I expect someone in that company to at least knowledge their was a mistake on their behalf so we can get this issue corrected! Please Please BBB help me reach out to this company in hopes of solving this fraudulent issue! My credit report is spotless and squeaky clean this is the ONLY collection on all my credit reports.

Desired Settlement: I would love for PRG to acknowledge their mistake so we can fix this issue and fraudulent collection on my credit report. I would also like it in writing and email with them stating that they will remove this fraud after they do whatever they feel is necessary to prove identity of me and proof I have to give them with my address of ten plus years! They are the ONLY collection on all my reports I have no debit or collection from anyone else. My report was one hundred percent clean till they put their derragotory mark and fraudulent charges.

Business Response:

We understand the consumer's frustration with something that showing on his credit report that he feels is not his.  However, as our company electronically reports over 100k accounts per month and is heavily regulated by federal laws such as the FCRA in this case, we did not report this consumer's social security # (because he does not have a U.S. one), nor his middle name.  The responsibility of how this is being credit reported falls solely on the credit bureaus that may be reporting this data.  As **** ***** is an extremely common name with literally thousands of people in the State of Texas having this same name, it is the credit bureau(s) that have crossed his common name with information that is not his.  That is why when he called our office we could not locate an account based on his social security # or middle initial or address because we do not have any consumer in our database that matches his identity.  This is commonplace with credit bureaus who often cross data with similar or common names- JR. and Sr. is another common example.  Nonetheless, we can not remove data that we are not even reporting and Mr. ***** needs to file a tradition online dispute (called an E-Oscar dispute) with whatever credit bureaus are displaying misinformation.  The credit bureaus themselves are ultimately responsible for the information that they are reporting and as long as collection agencies are following the federal guidelines for credit reporting and doing their due diligence then there is nothing for us to do but respond properly to any consumer dispute to help facilitate proper reporting.

Consumer Response: Complaint: ********

I am rejecting this response because: My social is a U.S. Legit social security number. My social was generated from the U.S. And not any other country so I don't know why that would even be brought on and used as their main point. So because I  am Mexican and have **** as a name it's ok that your company put something on my US social without even taking responsibility to even look into see why this happened? I've been in this country since I was 3 years old and I am now 32 and I am a hard working tax payer just like everyone else. I spoke to credit bureau and they told me to contact the company to have this removed and to make sure I get in writing or email. I understand your company is big and have many clients but maybe you shouldn't accept so many if your unable to perform or locate or even investigate why there's a collection from your company on an individual's credit report. I included a picture of my valid US social that didn't come from any other country and bc my name is **** * **** *****. Now I am sure if you ran my name just in the state of TX that there is probably going to be only me or maybe one more with that name. When credit is checked its not just ran by a first name only so for you to even imply that is from having a common name their or so many common names even with American born citizens like ***** or *** and if you ran those names only I'm sure plenty would pop up as well. It's a shame that this complain can't even take the time and effort to one even speak to me and two look into why their company placed this on my report. It's not the credit bureaus fault, it's the company who reported an account that was opened due to collections (bc your a collection agency). If your company never created an account with my social for a collection due the credit burea would have never placed this on my report. I am may not be a citizen yet but I do finance just like Americans do with my social. I financed loans, cars, and purchased a home and I take pride in being responsible and on time with all my payments. So just because I'm an immigrant doesn't mean it's ok to say oh it's not a U.S. Social bc yes we survive and succeed in life the same way as Americans. And as for an excuse bc **** is a common name? Not ok either bc ever race has common names. But every social has the correct name on the card and should be in your company's accounts since you created on with my number. Why did your company make an account of collections with my social with a common name or try to collect a debit without even being able to back that up with records in your system? How is it your company created an account of debit with a social but yet can't provide records in your system? I need yall to give me a good understanding besides my name **** being common how it is your company placed a collection on my credit report but now unable to find anytime of data in your systems? Bc when I finance they pull me up correctly in their systems and they are all on my credit report as well. But on good terms of course. I'm sorry but I need a better answer bc I work hard and take care of my US social bc I am building my future for my wife and kids. Thanks for understanding my frustrations and concerns !

Regards,

**** *****

Business Response: Mr. ***** we totally understand your situation and as a former bank officer for a top 20 US bank and being in this business for 20 years dealing with the credit bureaus I am trying to tell you that it is the credit bureau(s) that has confused your social security # with someone with a similar name and you should direct your energy towards the credit bureau.  Our company is not reporting your social security # which is why we don't have it in our system.  You can call my directly and I will be happy to double check for you.  Credit bureaus make similar name errors all the time believe me your situation is not unique.  I strongly suggest that the fastest way to remedy this situation is by filing an online E-Oscar dispute.  This is the same online dispute used by every consumer in the U.S. and is the dispute system that is used almost exclusively by all 3 major bureaus.  A BBB complaint will not help you correct your situation because our company can not remove a credit account based on a social security # that is not on our system.  If you file an E- Oscar online dispute than we will inform the credit bureaus that you have no account with us and the collection item will be removed.  However the bureaus are the only ones with the power to delete credit items.

Please feel free to call me and I can perhaps help you further.

Thank you,

**** *****
COO
The Phoenix Recovery Group
************

10/6/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Collection agency refuses to validate that they are reporting a valid debt. I have asks for the provide method of verification that they have used to verify this erroneous debt to the credit bureaus and they have refused. I am asking that they comply with my requests for validation.

Desired Settlement: Deletion from my credit Report

Business Response:

We have thoroughly researched our records and find no account listed under the name ****** *****.  We also checked with the credit bureau to see if there was a trade line being reported as a collection item under ****** ***** at the address provided and found that our company was not reporting any debt due.  With no account on our system there is nothing to validate.  *** ***** can contact me directly---*** ****** * ************ to provide her social security # or an account # to see if we can locate the account.  Also, there are at least 2 other companies with very similar names to ours.  For example, there is a Phoenix Recovery Group, Inc. that is headquartered out of Georgia and we often get confused with them because our company name is easy to find on the internet but we have no affiliation with these other similarly named companies.

10/2/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: An employee of The Phoenix Group, ***** ****, continuously calls me at while I am at work. I am employed by a school district and I teach classes throughout the day. If I do not answer the call, he proceeds to call the front office asking to be put in contact with me. I have repeatedly asked him to not contact me at work, and his response was that he would continue to call/contact me until I settle my debt. This morning,9/24/2015 , he called my cell two times, my direct work area line twice and the main number (secretary) once. He would also call me at my previous place of employment. In the past I have told him that he was harassing me, and he asked me if I even knew the meaning of the word.

Desired Settlement: I want Mr. **** to stop calling me at work, I am employed by a school district and these constant attempts at communication can be reflected on my evaluation.

Business Response: I have reviewed the file for Ms. **** ** ** ****. My findings show that there was a gap of employment & ***** found her new place of employment contact information. He did leave his contact information for Ms. **** with her new employer & they finally spoke, she asked him to call her after work. We don't have a good contact # for her to call her at home. I would be more than happy to assist her with a resolution on her account. I am **** ****** the Director of Business Development and I can be reached at ************ or at ************. In the mean time I have designated on her account as " do not call at place of employment " ( *******) ***** **** is no longer handling Ms. ****'s account. Please have her call me for a good contact #.  Thank you. **** ******

Consumer Response: Complaint: ********

I am rejecting this response because:
Mr. **** did have a good contact number for me, but he chose to continue to call me at work, also after I filed the complaint I received another call from the company and a message was left, but there was only silence on the other end. I was considering filing a complaint with the police department because I  felt as if I was being stalked. 
Regards,

**** ** ** ****

Business Response:

Our company has reviewed this account.  The consumer switched jobs in a period of about 4 months.  After not responding to calls to her personal phone line as promised our representative was successful in locating her at her new place of employment.  At that point, the consumer notified our company not to contact her at her new job which we honored in accordance with the federal laws regulating our industry.  Her employment # has been removed and it has not been called again.  The consumer is not trying to resolve the actual issue which is the repayment of a debt arising from a bona-fide contractual obligation and is not returning calls to our company to resolve the matter when messages are left on her personal phone line.  We are willing to help her resolve this matter but she will need to call our company to initiate this  action is she is not going to respond to message and letters left to her personal phone number and address.  Our company phone number is *************

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

**** ** ** ****

8/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They put a collection on my credit report from an apartment in Boston and I have never lived in Boston,Ma. I asked to see all copies ( the collector said he had 16 pages ) and all they sent me was one piece of paper saying it was only me living at 305 Dutton Street. Again...I HAVE NEVER LIVED IN BOSTON.I disputed this with Transunion Credit Reporting Adency and sent a copy of my Missouri Drivers Licence with MY signature and they forwarded to The Phoenix Recovery Group and it's clearly two different signatures.They need to find out who's name the utilizes was in and go after that person WHO LIVED THERE. When you sign a lease they make a copy of your picture i.d and if they have one it clearly shows it's not me.I sent a certified letter requesting ALL documents and they only sent me one page and that was printed off a computer.

Desired Settlement: Remove from my credit report.

Business Response:

The first contact we had with the consumer was September 18th, 2012 and the conusmer stated he co-signed for his daughter ******** it was explained to the consumer he signed the lease as the primary renter, a request for the lease contract and billing statement was emailed to the consumer on that date.  On September 19th, 2012 our client called us to inform us that the consumer's daughter had made payment arrangements on the broken lease and when she defaulted, the consumer was sent to collections.  The consumer disputed the debt on October 31, 2012 and the contract and the billing statement was mailed to the consumer, in the letter that was sent to us we were asked to cease and desist and we stopped communications with the consumer.  The consumer contacted our office on July 31, 2015 to claim stolen identity, the consumer would not verify his identity thus the consumer was told to provide a police report, picture id, and a written statement claiming that this was not him, the consumer terminated the call.  Until we receive those three items which we need to start a fraud investigation this debt is valid because the signatures we have match and the consumer stated he was the co-signer from day one of contact.

Consumer Response: Complaint: ********

I am rejecting this response because:I was not aware of being the only tenant.They have all of jesssica's information and I did send them a certified letter and requested all documents.Go after ********you have her information.Tracking # **** **** **** **** **** disputing this and I gave them all of Jessica's information.

Regards,

****** ******

Business Response:

The consumer was made aware of their situation on three different conversations.  We consider this matter resolved because the consumer signed the contract and is liable for the debt and we suggest for the consumer to have his daughter call us because until the balance is paid it will stay on his credit report as a valid debt.

************ *** **** ******* *****

5/14/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Payment made in full over the phone with Mr. ***** on 4/24/15 in the amount of $148.00. I requested a letter be sent showing amount paid, and was told they would send email which I never received. Calls are not returned, and now I'm reading that this may not show closed on my credit report because they are not required to report it. This is still showing unpaid on my credit report. These people do not return calls.

Desired Settlement: Need something in writing that this has been paid and also want this closed on my credit repot.

Business Response: The email was sent by our clerical staff on April 27th, 2015 please check your junk or spam mail, if not email me at ******@******.org and I will resend personally, I did return your call but left no message on your voice mail, and I explained to you that it takes 30 to 45 days before you will see the update on your credit report.  You made the payment on April 24th, 2015, worst case scenario you will see the update on June 8th, 2015, that is not our policy that is the credit bureaus policy.

5/13/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I ****** ******** ********* have received a letter from the Phoenix group indicating that I owe them $1,427.26 USD. (#******-******) I have requested further information from them on the validity of the collections and certified mail tracking numbers that indicate the matter was attempted to be resolved in good faith. The company sent a reply that it had conducted an investigation and proceeded to contact the 3-credit bureau, in doing so my credit score has been negatively affected. The creditor has purchased a collections loan that was null/void as I have documentation that shows an early release from my lease. However, my credit score has been compromised.

Desired Settlement: Retract the dispute submitted to the 3-credit bureau and an apology letter.

Business Response: The consumer was provided a copy of the charges; $642.00 for cleaning and repairs, $151.93 for utilities, $683.33 for partial November rent, and a $50.00 NSF fee for a total of $1527.26.  The apartments deducted $150.00 for the consumers deposit and we added our $50.00 collection fee for a final total of $1427.26.  IF the consumer has the walk out inspection form which releases him of cleaning and repairs please provide it, the responsibility for asking and doing the walk out inspection falls upon the consumer  per the lease the consumer signed.  If the consumer has the utilities receipt for the $151.93, please provide it to us.  The consumer gave notice on September 16, 2014 the consumer moved out on November 20, 2014, the consumer is being charged for twenty days rent for November, once again the walk out inspection form will have the official date of move out, if the consumer has it and it states and earlier date please provide it to us.  The consumer is incorrect we did not purchase the debt from the apartments we have a contract to collect on any debts that the apartments provide to us.  In response to the consumers request for a certified mail tracking number, in the State of Texas an apartment or property management group only have to mail a letter through regular mail and only to the forwarding address provided to them by the consumer on the notice of intent to move out form, if not provided the apartments or property management group will mail it to the consumers apartment address which then will be forwarded to the consumer through the United States Postal Service if the consumer has updated their address with them.  At this time we will not retract the negative mark on the consumers credit report until the consumer provides proof that the consumer does not owe the debt, as well we will not be sending an apology letter at this time.


4/23/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A debt was incurred at our appartment by my former roommate in which we both were on the lease. After this company picked up to collect on the debt and made contact to both of us, my roommate stated "specifically" to the agent that he will take full responsibility for the debt and settle with payments on "contingency" that I was to be cleared from any collections which was "agreed upon by the agent" (which phone conversations are recorded as stated in the beginning of each conversation). My former roommate successfully settled with the agreed upon amount and received a letter stating that the account is settled. Currently as I look on my credit report I am still showing an "open collection" amount for the difference of what my roommate settled on. The agent took all my roommates payment amount that was agreed on, sent a letter saying the account is settled, and back doored and left the remainder for me to deal with. The agent used unethical collection practice saying whatever they needed to say over the phone and broke the agreement in order to get some payments on the account for their commissions sake, and slapped the rest of the amount of the debt on to my credit.

Desired Settlement: I demand for this company to hold up to their agents agreed upon statement "and review the phone conversation" and notice that a verbal agreement was stated in order to collect on the debt. I want this to be reported to the credit bureau that the account was settled, as stated in the letter that I obtained from my former roommate.

Business Response: I ******* ***** the Collection Manager investigated the claims of ****** *******, there was numerous notes from July 2010 to August 2012 between Mr. *******'s former roommate ****** and our collectors.  No where in those notes of two years did ****** state he was paying this debt for both of them, in the notes ****** is told he is paying for himself alone and the final release letter that was provided to ****** has only his name not Mr. *******.  If Mr. ******* can provide anything in writing to substantiate his claims I will need him to provide it to us, if not, the remaining balance is owed by Mr. *******.

Consumer Response: Complaint: ********

I am rejecting this response because:

1.) Notes are invalid because anybody can decide what to put in THEIR notes. Audio recording is what I'm referencing too and can prove the conversation happened. ****** stated in the first conversation to the agent collecting the debt that he will take care of the agreed settled amount. I want the audio recording.

2.)The total amount at first for collections was $8,721. ****** "settled" and paid $2952, and was sent a letter stating that the account was settled, regardless if my name is on it or not. First question, if you are "settling", isn't it usually a portion of the total amount?? So why is  the remainder balance of the TOTAL amount left for me to pay ($5,769)? My point is it wasn't even a settlement. It was lets get whatever we can from ****** and throw the rest on the other (me), while letting ****** know it was a settlement. Even if so, let's say we were going to pay the TOTAL amount ($8,721), wouldn't it be cut down the middle, in half ($4360.50). Where did the amount $2,952 come from that ****** paid?

3.) The only time I was notified about the debt after the first initial contact, was AFTER ****** finished his settlement amount. Why wasn't I notified that ****** was settling the debt for a certain amount. What if me and ****** was to be paying at the same time to clear the total debt off our accounts, y'all would be recieving twice then what's owed. Isn't there any transparency if it's a joint account to the other party?

4) Point blank is there is unethical collecting practice and I'm ready to take it to the next step if we can't get this cleared up.

Regards,

****** *******

Business Response: 1.  We have computer time stamped notes that can not be altered. 

2.  ****** was in constant contact with our agency and our collector was
able to secure a discounted amount for ****** to settle his account for
$3096.00 which he did.  The remainder of the balance became the
responsibility of Mr. *******, if Mr. ******* had been in contact with
us we could have gotten him a discounted settlement offer as well and
still can.  Please refer to Paragraph 29 of the TAA lease you signed.

3.  We attempted to contact Mr. ******* while we were
in discussions with ******, if we had made contact with Mr. *******
while we were receiving payments from ****** we would have let him know
about the arrangement we had with ****** and we would have given him the
same discounted offer if our client authorized it like they did for
******.

4.  I disagree, there has been no unethical collection
practice when it concerns you and this account.  We have computer time
stamped notes where we spoke numerous times with ****** about the
account and the payments were for him alone, all the credit card
payments that were made, were made with ******'s credit card, and the
release letter that was given has only ******'s name. 

Once again if you have anything in writing that states differently please provide it, so I can research that information.

******* *****
******@**********
###-###-####

1/20/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have requested explanation of charges and itemized billing and this company is collecting money from me on behalf of Wood Hollow and neither has sent me an itemized billing statement of exactly what the charges are for.

Desired Settlement: itemized statement emailed of what each charge is for and copy of lease for my review to make sure that the charges are valid-also a copy of the original statement that was mailed to me with this information

Business Response: I emailed the itemized bill to the consumer today to the email that was provided, the apartments by law do not have to provided the original copy mailed to the consumer.

Consumer Response: Complaint: ********

I am rejecting this response because:

1.)My move out date was 12/01/2014 and I had a new apartment with a new lease at that time. There should be no 9 days worth of rent charged. Where does this information come from?

2.)The apartment was clean what needed to be cleaned for $65?

3.) The carpet did not need cleaning. I was only there for 5 months and there was no furniture or anything in it only luggage. There is no way the carpet was soiled beyond normal use as stated in the lease.

4) The only charges that I am accepting are the charges for the gas water and trash.

5.) This document(itemized statement) was never mailed to me therefore the charges are not valid and I would like them removed-all except the utilities charges.

Regards,

******* ******

Business Response: 1. You still had to give a thirty day notice, you gave notice on November 9th, 2013 so you are being charged those nine days of notice that you owed them this is per the contract you signed.

2. and 3.  If you did not do the walk out inspection per the contract you signed, you become liable for any cleaning or damages that apartments deem necessary.

4.  Ok

5.  When you moved out it was your responsibility to give the apartments a forwarding address per the contract you signed, if you do not they mail the bill to your previous address and wait for it to be forwarded to you which is what they did. 

If the contract had been followed the only charges you would be liable for would be the utilities.  So at this time all the charges are legal and valid.



Consumer Response: Complaint: ********

I am rejecting this response because:


1. Thats fine if says that so Please direct me to which article in my lease states that I am REQUIRED to be do a move out inspection in order to avoid invalid charges so that I may review it because I am not finding it

2. This is not my first apartment. A Full 30 day move out notice was provided and signed by ***** in the leasing office WITH a forwarding address. I had her provide me with a copy just in case something like this were to happen. I just need to find it. When I do I will be more than happy to provide you with a copy and will expect to be compensated for my time and trouble. How and Where can I send it to you for review?

Regards,

******* ******

Business Response: 1. Paragraph 40

2. Fax ###-###-#### attention ******* *****

Consumer Response: Complaint: ********

I am rejecting this response because:

1. section 40 states that you "should" meet with...indicating that it is an option not a requirement. Had I received the notice to the correct forwarding address I would have had the option to object within the 15 days stated in the notice.  I will be sending the documentation as soon as I get it together. In the meantime I need the payment information please to get this taken care of so that I can lease a new apartment.

Regards,

******* ******

Business Response: You can make the payment over the phone ###-###-####, you can mail it to *** **** ******** *** *** *** ******** **, or you can go to our website **************

Consumer Response: Complaint: ********

I am rejecting this response because: not yet resolved


Thank you. And  please confirm the address of where my itemized statement was actually sent please.

Regards,

******* ******

Business Response: We have sent the itemized statement to the consumer, the charges are self explanatory if the consumer has a specific question about one of the charges the consumer can call me at ###-###-#### or email me a ******@******.org.  I will email a copy of the lease today, by law we do not have to provide the original statement that was mailed by us or our client the apartments.

Consumer Response: Complaint: ********

I am rejecting this response because:

I did not ask for a copy of the original statement. What I asked is for you to CONFIRM what address the original itemized statement was sent to. Since apparently you have all of the information regarding my situation Please CONFIRM the mailing address that the itemized statement was originally mailed to and in a private email will be fine. I am sure it is the address on the letter and if so I need you to confirm that.

I will not be calling in because I prefer to have a written record of my conversations. Furthermore your company was the first that I contacted and I questioned the charges and the person I spoke with rattled off a few things and gave me no details and when I asked the reason for the charges you could give me no answers so you can see why that would be a complete waste of my time. Wood Hollow has not responded either. Now what I am disputing are the charges completely since they were not sent to the correct address.

Regards,

******* ******

1/17/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called this company in hopes to receive an explanation on the regards of a collection letter. Instead I was screamed at and harrased. The person tending to our call insinuated that we were uneducated and therefore unable to comprehend the reason for the collection letter. He threatened to ruin our credit and make it difficult on us. All we wanted was to resolve the issue. I was without words since he wouldn't allow me to get any out of my mouth. Constantly interrupted us. That is not how a company should handle a collection. Especially when it was us calling in hopes to resolve this issue.

Desired Settlement: All we want is information on how to resolve this issue

Business Response: I will listen to the phone call between our collector and the consumer and if the consumer is correct the collector will be reprimanded.  I will assign a different collector to the account, so the consumer does not have to speak to that collector again. If you have any questions you can call me ******* ***** ************ ext ****.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

******* *****

10/27/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I leased a town home for two years and this past July I received a letter from the leasing company that the owner of the home would be selling the home, thus they sent me a letter from their office stating that they would be asking me to vacate the home by after July which I did. The company has now hired the Phoenix rec group to collect on rent that I supposably owed them for august. I have asked both the leasing company as well as the Phoenix rec group for the proof or contract that states that I agreed in writing with my signature that I owe them that month. They have failed to provide me with any contracts. All they keep sending me is a bill with charges on it that really don't prove I owe then rent for that month. They have given me the run around for the past 4 days and it has really become frustrating because I have perfect renters history never been in a dispute with any leasing company before this incident. Please let me know if there is a way you guys can help.

Desired Settlement: Charge for rent for august should be removed.

Business Response: The information requested by the consumer was sent on 10-17-2014 at 200pm

Consumer Response: Complaint: ********

I am rejecting this response because: what they sent me is a list of the charges, not a contract in which I state with my signature that I will be leasing the home till august. I left that home last day in July. I need the contract or contracts signed by me from ****** ******** rental property. A list of charges does not prove anything to me, anything can be added on there without my consent. Now I'm not disputing the other charges I am disputing the charge for rent on the month of august. This is very frustrating and stressful to deal with your company if being very unprofessional. I know your working for your client but if you we want to come to an agreement I need proof from your client which I know they don't have because it has been over 5 days and they are not providing that proof because there is none. I will keep trying to contact whoever I have to in order for this to be fixed.

Regards,

***** ******

Business Response: According to our clients records the consumer moved out on August 2, 2014 thus the reason she owes August rent.  If the consumer has the move out inspection form that states the keys were returned in July please email or fax that me, if not the August rent is due.

fax ###-###-####
******@theprg.org

9/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a call on or slightly prior to August 19, 2014 from a Phoenix Recovery Group representative, Mr. ***** *******. Mr. ******* was attempting to collect on a fraudulent debt fabricated by their client, ***** **********. Mr. ******* stated that I should consider paying the debt as if I didn't then within two weeks a negative rating would be posted to my credit report. On August 19, 2014 I submitted to the Phoenix Recovery Group a dispute letter which outlined all the allegedly-owed charges with an explanation for each on why I didn't owe the debt. On September 2, 2014 I received a correspondence from the Phoenix Recovery Group stating that if I did not pay the debt within seven days then the matter would be posted to my credit report. By this time it should have already been posted to my credit report based upon the previous threat made by Mr. ***** *******. On September 9, 2014 I sent a certified letter to Mr. ***** ****** in regards to the illegal actions of his company. The Phoenix Recovery Group was given ten days from the date the letter was received. Per the USPS the correspondence was received on September 11, 2014. Since the mailing of the letter I have received no response whatsoever from the Phoenix Recovery Group. The Phoenix Recovery Group has violated the Fair Debt Collection Practices Act §807(5) as they threatened action that they did not intend to take. This occurred when Mr. ***** ******* made a threat to post a negative rating to my credit report within two weeks and then two weeks later make the same threat again.

Desired Settlement: Per the Fair Debt Collection Practices Act §813(2) I'm entitled to up to $1,000 per infraction. I also request that the Phoenix Recovery Group cease and desist from attempting to collect on the fraudulent debt. Failure to comply with demands contained herewithin will result in: - Complaint filed with the Texas Attorney General's Office. - Complaint filed with the Louisiana Attorney General's Office. - Complaint filed with the FTC. - Lawsuit filed in the City of ****** **** court against Mr. ***** ****** and the Phoenix Recovery Group.

Business Response: We spoke to the consumer on August 13, 2014 at which time the consumer refused to pay and requested a copy of the bill and the lease contract he signed, those items were mailed to the consumer on August 14, 2014.  During that conversation it was explained to the consumer that we would report this debt to the credit bureaus by next month within the thirty days of us receiving the debt from the client.  On August 24th we received a dispute letter from the consumer which stated that the consumer wishes us to cease and desist contact except thru the mail which we did and then we contacted the client at which time they validated the debt and we validated the debt in accordance with the lease contract the consumer signed.  The letter the consumer received on September 2nd, 2014 is in accordance with our company policy to inform the consumer that we intend to report the debt to the credit bureaus.  On September 10, 2014 we placed this valid debt on the consumers credit report which was thirty four days from us receiving the account from our client.  At this time we will not be issuing a refund check to the consumer because we followed our company policy and the Fair Debt Collections Practices Act of placing a validated debt unto the consumers credit report.

Consumer Response: Complaint: ********

I am rejecting this response because:

I have explained multiple times that the debt was fabricated by their client.  I do NOT owe the debt.  Since the company has chosen to abide by their illegal policy of extortion then I will be forwarding this matter to the Attorney Generals of Texas and Louisiana as well as publicizing this matter online so that others can be warned of their illegal extortion tactics.  I will be disputing this matter with the appropriate credit reporting agencies since the Phoenix Group has decided to engage is fraudulent practices by posting a debt that they know is not owed.  I will be consulting with an attorney in seeking legal action against the Phoenix Recovery Group for assisting in the attempt to collect on a fraudulent debt.  It is in my opinion that the Phoenix Recovery Group is just as guilty of the fraudulent activities.  This reflects very negatively on the BBB as one of their members has chosen to engage in fraudulent practices.

Regards,

******** *********

8/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After a dispute with an apt. (********** ********** ***. ********, **) we were forced to break our lease due to a sudden job transfer and the apt. complex refused to let us buy out of our lease. We left $2000 in rental value and deposit, a clean apt. which was re-rented within 2 weeks, but they sold us out to Phoenix anyway who has been ruining our credit for 5+ years and counting. The statute of limitation on debts in ** is FOUR years. We've had more than enough of their undeserved tyranny and want this removed from our credit report

Desired Settlement: Removal of unjust and expired blemish on our credit report.

Business Response: I have looked into the charges, the apartments were within there rights according to the lease that was signed to charge a months rent and a relet fee for the lease not being completed and the charges for cleaning were minor and the deposit was credited to the balance owed.  According to ***** law we can not take the consumer to court after four years but we can report this legal debt up to seven years to the credit bureaus.  If the consumer would like to contact me he may do so and maybe we can come to some type of resolution, but this legal debt will not be removed from collections or from the credit bureaus until the seven years are complete or a settlement amount that is agreed upon by the consumer and our company is paid.

******* *****
###-###-####

Consumer Response: Complaint: ********

I am rejecting this response because:

We know we had thousands on the table when we vacated the cleaned unit and that it was re-rented almost immediately.  Our deposit left behind was more than sufficient to cover the "month's rent and the relet fee for the lease not being completed" -when THEY refused to negotiate a buy-out of the lease due to our sudden loss of local income -and this occurred right when the 2008 banking crisis hit, so we want to add our thanks for the compassion displayed by all parties here.  
Our funds were not properly applied or there would have been no balance owed.
This has been unacceptable and remains unacceptable.

Regards,

**** *****

Business Response: Mr. *****,

What do you mean you had thousands on the table???  According to your lease and statement of deposit you had a total deposit of $490, you left in November of 2008 and your lease was till June of 2009.  The lease you signed states the apartments are entitled to a 30 day notice if you can not give that to them they can charge you one months rent which was $1065.00.  Since you were not able to complete the lease the apartments can charge the relet fee for breaking the lease which was 85% of your rent which totals $905.25, and then three other minor charges minus your $490 gives you the total that you are being charged, did you pay something that is not being calculated and if you did can you provide proof?


******* *****
###-###-####
mwhite@theprg.org

Consumer Response: Complaint: ********

I am rejecting this response because:


I have received no further response since 7/28 when I rejected the first response telling me the ********** and Phoenix Group can claim whatever they want to, disregarding reality, and ruin my credit with impunity.

Regards,

**** *****

Consumer Response: Complaint: ********

I am rejecting this response because: 

We request that you provide proof of this absurdly small deposit.  Who rents an apt. to anyone without a month's security deposit?  It was $490 PET deposit plus $1000 (one month's rent).  Also, why does our credit report show 2012 as a date for this action when it occurred in 2008?

 

Regards,

**** *****

Business Response: I will email you a copy of your lease which shows your deposit amount, and the apartments did not send you to collection until 2012 that is why your credit reports states 2012.

Consumer Response: Complaint: ********

I am rejecting this response because:  The collector sent what he called a lease copy to our email.  It is not a lease copy at all; it appears to be a debt sheet sent to the collector and is barely legible.  The collector also claims the ********** apts. did not put us into collection until 2012.  Not true, they bounced us from another collector to Phoenix in 2012.  We have credit reports with this collection on it from 2009 -possibly 2008.

Regards,

**** *****

6/12/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had an apartment with Legacy Crown Meadow with *********** ***** and their was an unpaid cleaning fee went to collections we paid it in full and they employee said it would be off the credit report with in 3 months. He faxed me confirmation that same day that it was paid in full. It is 2014 now and still is on my report as unpaid.

Desired Settlement: I need this off my credit report it was paid in full and they need to keep their side up with what they said about this being taken off the credit report .

Business Response: If the consumer could provide us a copy of the credit report she is looking at would be helpful, on our end I see it as deleted.  I recommend to the consumer to make sure she is pulling a credit report from Transunion, Experian, and/or Equifax, other reports such as credit karma and score sense are very inaccurate.  The consumer can email me the credit report she is looking at to *****************. 

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

****** ****

6/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was a tenant at the Stony Brook Apartments a few years ago. My father at the time just had heart surgery and was staying with me while he recovered. The apartment complex was employing 2 maintenance workers who participated in illegal drug selling. The apartment below mine was used to faciliatate these transactions. Numerous times I watched cops being called for domestic violence, theft and primarily violent disturbances. My father was threatened for "being too loud", when in fact he was just a 70 year old man sleeping and recovering most of the time. Because of these interactions, and the aaprtment management's lack of action, I felt that this environment was unsafe. I informed the complex management (both Son & Mother) of my intentions to move out 60 days ahead of time. I was verbally told (by the Son) that he would note that in my records and no need to print out a paper notification, although I did provide a written notice 30 days in advance. My rent was at that time past due, which I had made arrangements to take care of. 1 month later, I was surprised to get a phone call from Phoenix group explaining to me that I in fact owed them $4000+ on my debt. They explained to me that the remainder of the lease would need to be paid. The very next month my former apartment was re-leased to another tenant. Texas real-estate law states that upon a tenant "breaking" a lease (I was month-to-month, but they explained to me that my lease auto-renewed...) that the apartment should make a legiitamate effort to re-lease the apartment, which they did. However they did so and still charged me the remainder of the lease in addition to collecting rent from the new tenant thus charging two tenants for the same property (overlapping). At the point that the Phoenix Settlement Company got involved, I have been unable to work with them to an amicable3 resolution. I have called, attempting to explain the situation with an accurate account of the situation and each time I speak with them, I am transferred to what might be one of the rudest customer service representatives I have ever dealt with. He has insulted me, been overtly rude, and often threatens me (not with physical violence, but threatens me with "We can raise this amount to whatever we want and if you don't like it, call your lawyer." I have been making several attempts at mediation with this company but I am unable to resolve this issue when I cannot reach a resolution with an employee who makes this business concern a personal issue and proceeds to threaten me. I am more than willing to pay the amount of what I "owe", no more, no less. That amount is $1,215.00, not the $4,000 or more that this company is trying to hold me hostage and my credit score hostage with. I feel strongly that this behavior is borderline criminal, and does nothing to benefit their clients and customers. I would prefer to deal with this company through mediation as I am unable to negotiate with representatives who constantly treat me with disrespect over the telephone. My only goal is to take care of this debt and not be victimized by a company that is holding me hostage in this way. This is the only debt on my credit score, I take pride in handling all of my debts and with sincerity and a courteous disposition. My reason for contacting the BBB today is in hopes that there are mediation resources available to assist me in this goal of paying my debt with this company while not being threatened, insulted, or ripped-off.

Desired Settlement: My goal is to pay what I owe an nothing more. I owe approximately $1,215. I do not owe a $500 "not giving notice fee" I do not owe $2,800 additional rent (and a small cleaning fee & loss of deposit.)since: A.) I gave proper notice that I was moving out. B.) The unit was rented the following month. C.) The unit was spotless upon my departure. I spent 2 entire days cleaning the entire (400 square foot) apartment, which included a comprehensive carpet steam cleaning and deep thorough cleaning (better than when I moved in for certain.) I would like for The Phoenix Group (through mediation preferably) to allow me to pay the $1,215 dollar in 3 monthly payments. I do not feel that this is asking too much and I feel with 100% certainty that this is a very fair offer to settle this balance. I have attempted to discuss this with the representatives at the Phoenix group only to be yelled at and given strange options like (example): "well if you pay X amount today then we can do this, but tomorrow it goes up $1,000). I cannot emphasize enough how unprofessional the customer service is at the Phoenix Recovery Group. This is my very first complaint with the BBB, I'm hoping that we can resolve this amicably without me needing to hire an attorney for this concern. Thank You.

Business Response: I would first like to apologize to the consumer if the collector was rude and I will listen to that conversation.  However,
paragraph 36 of the lease that was signed by the consumer states the "apartments disclaim any express or implied warranties of security"
and Paragraph 37 of the lease states "that a written notice has to be given which must not terminate the Lease Contract sooner than the end of the
Lease Contract term or renewal period".  If they do so they become liable for the reletting fee for breaking the lease and any accelerated rent
from the time the tenant leaves to the end of the lease.  Paragraph 40 of the lease states "you should meet with our representative for a move-out
inspection", this is when a tenant can dispute any claims of damages or cleaning by the apartments.  The original charges were $45 for carpet
cleaning, $500.65 for the reletting fee, $2895 for accelerated rent, and $1215.46 for rent and late fees for October and November rent.  The
consumer was offered a settlement offer of $1400 on May 30, 2012 and the consumer declined that offer, the consumer was again offered a settlement of
$1400 on May 23, 2014 in one payment which is the standard requirement for a settlement.  The consumer declined that offer and wanted to do it in three
payments which our client declined but our client was willing to accept $1800 in three payments and the consumer declined that offer and is now requesting a
settlement of $1215.00 in three payments which is being declined.  After speaking with our client their records show the apartment was re-rented on
February 1, 2012 changing the balance of the account to $2919.11, our last offer to the consumer is that he can pay one payment of $1400, or he can make
three payments totaling $1800, or he can pay the balance in full of $2919.11 plus interest of 18% per year (which is allowed under the lease the consumer
signed) which would bring the total to $4124.02 in multiple payments.  If the consumer has any questions he can contact me ******* ***** (Floor Supervisor) at ************ *** *****

3/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In July of 2013 The Phoenix Recovery Group issued a collection account in my name. That collection account has now posted to my credit report and drastically hurt my credit report which has resulted in my ability to not receive the home loan my family was trying to get to purchase our first house. This collection file is fraudulent in nature and has been harmful to myself and my families personal life. The origins of the account were traced back to a company in San Antonio TX called ******* *** ***********. I called the ******* *** *********** and they provided me with signed invoices and documents and confirmed the account was in error and said they would help correct the problem. This information was offered to The Phoenix Recovery Group and denied. The initial contact I had with the company was met with resistance and poor customer service. ***** was not only defensive in nature but dismissed my attempts to rectify the situation with documentation and facts. Every attempt to resolve this situation had ended on account of the PRGs reluctance and negligence to correct an error in their system. The managers running the PRG take no responsibility for the information they report or the effects that happen from their actions. I have filed a report with the San Antonio Police Department but have not heard anything back.

Desired Settlement: I desire for this information to be struck from my credit report. My family has already lost the opportunity to purchase our home so there's no fixing that. In return I request an apology from the CEO and an explanation of how such negligent behavior can be accepted by a business that can cause such harm.

Business Response:

I spoke with the consumer on September**, 2013, explained we do understand that he is claiming stolen identity which unfortunately is a common crime in this day and age, however our company has standard collection agency protocols where the consumer must show proof that they are a victim of stolen identity before we can delete anything from the credit file.  Our first form of proof is the consumer sending us a copy of a police report, in this case we did request a copy of the police report from the individual and to this day have not received the police report.  Upon receiving a police report from the consumer we will investigate the matter and promptly delete this from his credit file if the consumer's identity has been stolen.  Our fax number is ************ attention to ******* *****.

Consumer Response: Complaint: *******

I am rejecting this response because:

I do not know that I was in fact a victim of identity theft but to me it seems more an issue of the the Phoenix Recovery Group reporting the incorrect information.  Prior to the collection account being added to my credit report the address listed on the copy of the invoice I received from ******* *** ***********; the business who initiated the collection account, was never on my credit report.  In fact prior to the collection account being added the only information that was consistent between the debtor and me is the name.  

I filed a request with all three credit bureaus to have the address corrected. The request has been fulfilled and the address is no longer on my credit report.  The first thing I did when I saw the collection account was to see if there was in fact another **** ****** living at the address listed on the billing invoice and there is.  With regards to the collection account as previously stated it was for service to a residential plumbing problem.  I got this information from ******* *** ***********.  The date on the signed  invoice is 20 March 2012 and I was in ********, Africa on deployment with the ****; I have copies of my duty history from the Military Personnel website to prove this.  That information right there should be sufficient to prove that I did not sign that invoice.  Additionally the signature on the invoice does not match mine.  I can prove this by sending in a copy of my drivers license and other documents if required.

A police report has been filed with the **** as previously stated but they require me to either pick up the report in person or send in via mail a request for the report.  I cannot do either in a timely manner as I am currently deployed to Afghanistan and mail takes up to 5 weeks to arrive plus the additional 2 weeks to process the request, relay that back to Afghanistan, and then back to the collection agency we are talking a time frame of 17 weeks!  I cannot accept that time frame as I am still in the process of trying to buy a house when I return and need to begin the process of credit application as soon as possible.  

As the Phoenix Recovery Group indicated in their response a police report is not there only form of proof of mistaken identity.  Therefore, I have attached all supporting documentation required to prove that I was not the one to sign that invoice and therefore not responsible for the debit.  If this action is not sufficient I have contacted the National Association of Consumer Advocates, the Military Consumer Justice Project, and my local JAG office for guidance and will be considering legal action against the PRG.  If this information is sufficient to prove my case then I request this information be permanently stricken from my credit report and an explanation as to how such a mistake could happen and how it will be prevented in the future, as a consumer with absolutely zero control over the quality of the information reported to the credit bureaus it is my hope that collection agencies take the greatest care necessary to ensure they are reporting accurately - that was not the case in this instance.  The Better Business Bureau should recognize the lapse in this companies practices. 

Regards,

****** ******

Business Response:

I understand the consumer is frustrated, I wish the consumer would have contacted us again and let us know that getting us the police report would not be feasible.  In the past 2 1/2 months we could have worked with the consumer in getting some form of proof that this is not him and he was not here in the country at the time of the charges.  In the consumers response he states he sent some attachments that would help us perform our investigation and clear this matter up.  To this date we have not received it, could the consumer fax it to ************ or scan an image it to *****************, ASAP, once I receive the information I will perform our investigation immediately and if the consumer is correct we will delete this from the consumers credit report so it will reflect in 7 to 10 days.  But I need the consumers help to do this. 

Consumer Response: Complaint: *******

I am rejecting this response because:

I will accept the response and close the complaint after the error has been corrected on my credit report.  The documents mentioned were attached in my previous response but have been e-mailed as requested.  I still have not received any explanation as to how this error even occurred in the first place and my personal information compromised.

Regards,

****** ******

Business Response: Thank you for the email I have done a rapid and thorough investigation and have concluded this account is not yours.  I have sent a deletion code to all three credit bureaus to have this removed from your credit report.  I would check it in ten days and it should be gone from all three bureaus, if not email me again and I will resend the codes.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.

Regards,

****** ******

Consumer Response: Complaint: *******

I am rejecting this response because: 

The information I sent you on January 3rd was directly from my ******* credit report pulled from ***********.  If you need more information please let me know.

****
 
Regards,

****** ******

Business Response: I did another manual deletion for this account yesterday, on your ******* report is there a number or email that I could contact someone directly?

Consumer Response: Complaint: *******

I am rejecting this response because:

I have sent The Phoenix Recovery Group every piece of information they have requested and still have not seen the issue handled properly. The Phoenix Recovery Group has identified there is an error in their reporting to the credit bureaus but the error, six months later, has not been corrected. This is seriously harming my financial situation and is putting a serious stress on my ability to attain the credit I need for a new home and my small business!

I have been in communication directly with the business both over phone and personal e-mail.  We have been going back and forth since September.  The information they requested was sent via e-mail directly to the requesting individual. 

Regards,

****** ******

Business Response: We have done three manual deletions on this account, but PRG does not control the deletion process all we can do is to continue to report a deletion, at this point ******* may be linking him to the consumer we have in collections and that we do not control, that would be an error on ******* part.  I would ask the consumer to check his ******* credit report on March 20th, 2014 and to let us know if is still on his report.  

Consumer Response: Complaint: *******

I am rejecting this response because:

I will again check my credit report as I have been doing weekly.  I do not care how the issue is resolved so long as it is fixed.  Obviously what you're trying is not working.  This is an error you caused and I would expect you to resolve it.  I will be contacting Equinox as well and expect you would try the various avenues of communication you have with them.

Just yesterday my business was denied a line of credit with our main supplier because of this collection account.  This needs to be fixed!
Regards,

****** ******

12/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Employee *** ***** has unlawfully charged my credit card $30.66. I never agreed to a payment plan with Phoenix Group. The conversation was recorded in the month of November. I did not agree to a payment plan. Phoenix Group has my bank information because I made one time payment in November. Then I see this month (December) a charge of $30.66 I did not authorize them to make.

Desired Settlement: I like *** ***** to admit he falsified the notes on my account agreeing to a payment plan. I like my money returned to me ASAP. Also my debt fulfilled by Phoenix Recovery Group.

Business Response: After investigating the phone call, there was confusion between the consumer and our collector, so we have reversed the payment and given the money back to the consumer.  However, we can not say the debt is paid in full there still is a balance owed to our client.

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.

Regards,

*** *****

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I've been in contact with this company since July about about incorrect information on my credit report. First call the representative was rude so I requested a supervisor. The supervisor Mr******* finally agree to accept documentation that proved the information was incorrect. He confirmed that he received it but months later when it wasn't removed he then told me he didn't have the documentation. I had the documentation resent to him and this time he told me my documentation was irrelevant. He even went so far as to state the documentation couldve been typed up by anyone and that I am over the time limit allowed to dispute inaacurate information. He then called me ignorant and advised me not to call him any more when I spoke with him today. The issue is an apartment complex ***** ****** reported to Phoenix Recovery Group that they were not notified in writing of my intent to not renew my lease that was already expired at that time. However I gave the apartments written notice that I would be moving once my lease was up. In fact the apartment complex I moved into afterwards called ********** had to confirm with ***** ****** apartments by fax that I was caught up on all payments and that they were notified by me in writing of my intent to move. ********** would not let me move in until ***** ****** confirmed this information by fax. I had ********** forward that documentation to Mr.******* twice who is now refusing to accept it. Mr.******* refused to tell mr the name of the management group that ***** ****** apartments was under when this was falsely reported to collections. Another supervisor I spoke with in Mr.*******s absense questioned me asking "why was I all of a sudden worried about my credit, am I trying to buy a new house or car is that the reason for my contacting them, I can tell by your credit you don't care so why worry about now?" I've made at least 15 calls to them company and have gotten nothing but derogatory remarks and refusals to comply with the fair credit reporting act.

Desired Settlement: Removal of incorrect collections account from my credit and a written apology for my trouble and their mistreatment of me as a consumer.

Business Response: Ms. ***** sent a notice to ***** ****** and we have the notice on file that she would be going month to month till January 2010, there is no other notice on file.  When Ms. ***** moved out in December our client was in their rights to ask for December's rent, in addition to the reletting fee for not following the notice that Ms. ***** sent then, the additional charges were for cleaning and utilities.  This account will stay in collections and Ms. *****'s credit report until the account is paid in full or settled for a lesser amount.

10/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a letter from ******** **** ********** signed by *** * ******,Property Manager. stating that all monies have been paid and I quote "IMMEDIATELY cease and desist any and all collection efforts" end quote. I have my receipts from the day I moved out. I signed and paid the buyout on 08/23/2012. Now over a year later this company this company is trying to extort money from me using the telephone.

Desired Settlement: This company needs to stop trying to collect from people who have receipts

Business Response: Our response is that Mrs. ****** has two accounts in collections one is for ******** **** ********** and the other is **** ******* these are two different companies.  Mrs. ****** provided us a letter which the apartment manager of ******** **** ********** states she wants us to stop collecting on the **** ******* account, unfortunately the apartment manager has no authority to ask us to stop collecting on the **** ******* account.  Till this day October 8th, 2013 no employee from ******** **** ********* has asked us to remove the ******** **** ********* from collections.  As well, Mrs ****** communicated to us on a recorded conversation, an email, and on a voicemail she was willing to pay the **** ******* account, now all of sudden Mrs. ****** refuses to pay and submits this complaint.  This is our explaination of why we are still collecting on the debt.

Consumer Response: Complaint: *******

I am rejecting this response because: At no time since the Phoenix Recovery Group has hassled me, have they provided proof  that I owe anything.  The amount of money they claim I owe seems to change each time they call me.  Companies do business by written contract.  I sent in all the proof of being paid in full to ******** **** **********, such as a receipt, copy of money order, and a letter from the apartment accounts manager.  I also sent this to the Phoenix Recovery Group, they seem to keep insisting I owe money.  What service have they provided for me?   I know that I paid in full and have proof. By the way, ******** **** ********** gets an F on their BBB ratings. 

Regards,

**** ******

Business Response:

Mrs. ****** was given a copy of what she owed in October of 2012, after which she sent us a copy of a money order and a letter from the manager of ******** **** **********.  It was explained to her what was sent to collections was the remainder minus what she had paid so there was still a balance owed.  The letter has no value because its comes from ******** **** ********** stating to us to release Mrs. ****** from **** ******* which they have no authority to do, because it is two seperate companies.  If Mrs. ****** had a letter from **** ******* stating to release her we would do that but she does not have a letter from **** *******.  October of 2013, Mrs ****** asked for a proposal letter to payoff the **** ******* which was sent to her by email which we have a copy on file.  If Mrs. ****** does not want to pay the account she does not have to but we will not be removing the ******** **** ********* account or the **** ******* account from her credit report and we will not stop our collection activities.

Consumer Response: Complaint: *******

I am rejecting this response because:  I still do not understand why I owe the amounts they say I owe.  I have not gotten any correspondence other than phone calls.  Here is the letter and proof I paid all that was owed.  This is what I was asked to pay, so this is what I paid. 

Regards,

**** ******


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