Debt collection -- Attempts to collect debt not owed -- Complaint #11384390
Complaint Overview
Complaint ID: 11384390
Company: Phoenix Financial Services LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Illinois
ZIP Code: 600XX
Date Received: 2025-01-04T12:00:00-05:00
Date Sent to Company: 2025-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received an email from XXXX XXXX XXXX, notifying me that they are now the owner of a previous XXXX credit account associated with my name. However, I would like to clarify that this debt was fully paid off through the Phoenix Collection Agency and was settled for {$580.00}. The confirmation number for this settlement is XXXX, and it was associated with account number XXXX. Additionally, my credit report indicates that the account was marked as paid and settled for a lesser amount on XX/XX/year>. Given that the account has been settled and paid in full, no further collection efforts should be made regarding this XXXX credit account. Please update your records accordingly. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #11384390 about?
Complaint #11384390 was filed against Phoenix Financial Services LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-01-04T12:00:00-05:00.
How did Phoenix Financial Services LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Phoenix Financial Services LLC?
Yes, visit the Phoenix Financial Services LLC company profile at readthecomplaint.com/company/phoenix-financial-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.