Phillips & Cohen Associates, Ltd. Debt Collection Complaint

Phillips & Cohen Associates, Ltd. Debt collection department,

Credit card Disclosure verification of debt Not given enough info to verify debt Arizona

This is a complaint from - - against Portfolio Asset Group for Portfolio Asset Group 's failure to provide requested information for the debt alleged. On - -, 2016, consumer, - -, received a demand letter from creditor, Portfolio Asset Group. On - -, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.