Product: Debt collection

This is a follow up complaint against the company Phoenix Financial Services who previously called my house refusing to identify who they were calling on behalf of and expressing anger in their tone of voice simply because I didn't feel comfortable with providing my information before they could tell me who they were calling on behalf. 


Please reference of CFB P complaint XXXX. 

This new complaint confirms their identity officially from a bill that I received from them XX/XX/XXXX. 


Below is information that involves the accounts that took place during the phone call and my request for more information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fla. XXXX XX/XX/XXXX Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX XXXX Re : Account ( # XXXX ), ( # XXXX ) USPS : To whom it may concern, I am responding to your contact about a debt you are trying to collect. You identified the debt alleging the account placed with your office. 

( See attachment of the letter from your agency ) Prior to receiving your letter, my call log indicated a missed call from XXXX XXXX and from a private number you attempted to contact me on XX/XX/XXXX, with the first call at approximately, XXXX XXXX 

After the phone call an official formal complaint was launched against your company Phoenix Financial Services with the CFPB # XXXX for using abusive abrupt forceful language by XXXX XXXX simply because I had inquired to whom which company he was calling on behalf of. 

On another call, made at XXXX XXXX., by which XXXX XXXX, refused to identify who she were calling on behalf of Alleging that she could not give out the person that she was calling for, information and made it very clear that in order for PFS to tell me who they were calling on behalf of, I would first need tell her my 1st and last name. 

Also, XXXX XXXX, of Phoenix Financial Services,  stated that the phone conversation was being recorded. I immediately stated to him that Phoenix Financial Services, is hereby notify to cease and desist from calling my phone. 

Even though, I notifying Phoenix Financial Services,  over the phone to stop calling my house, PFS continue to call my house several times after that from a private number. 

Unfortunately, PFS continued to call my house at XXXX, the 2nd call was at XXXX, the 3rd call was at XXXX, the 4th call was at 4 th XXXX and the 5th call was at XXXX. 

On XX/XX/XXXX I received a letter from PFS by mail in writing dated XX/XX/XXXX. 

Upon receiving the letter, it indicated that PFS had been calling on behalf of XXXX XXXX XXXX XXXX XXXX. which is the same creditor that was notified on XX/XX/XXXX, for a different case for Violation of FCRA 611 that was filed with the CFPB # XXXX. 

At this time I am requesting for PFS to please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

Tell me when the creditor claims this debt became due and when it became delinquent.

Identify the date of the last payment made on this account.

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Details about your authority to collect this debt.

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.

In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Thank you for your cooperation. Sincerely, XXXX XXXX