Consumer complaint received 2017-11-16
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The date after announcing the XXXX security breach, 4 medical collection accounts were placed on my credit reports, XXXX, XXXX and XXXX. I immediately contacted all 3 and they all suggested I purchase their monthly monitoring plans, which I did on XXXX XXXX, XXXX, XXXX and XXXX removed the fraudulent collection accounts within 5 days. XXXX emailed around 35 days later to say my investigation was complete. When attempting to log on the system locked me out for another 20 days until someone in their IT dept could resolve the issue, it had to be done via email as they were no longer accepting calls. Today finally able to review the results of my dispute, they said Phoenix Financial Services LLC had provided them with new information and the fraudulent medical bills would stay and there was no other way to dispute other than a consumer statement or through you. I contacted Phoenix Financial Services at ( XXXX ) XXXX, spoke with XXXX XXXX, that 's all he would give me. They did n't have my complete or correct social and XXXX XXXX kept asking me to give him more information about myself to identify the 4 accounts listed. He finally gave up and said he has the file pulled up and immediately asked how I wanted to pay, I tried to explain to him I 've never been to XXXX XXXX XXXX, or any XXXX XXXX systems hospitals or clinics, or related medical facilities. He said they would settle for .20 cents on the dollar and it would drop off my credit in 7 years. After ruining my credit in 1 day, from XXXX to XXXX FICO score, I said that was not an option, it 's not my debt. I asked for XXXX XXXX XXXX contact info and XXXX XXXX said he did n't have any contact info other than what appeared on my credit report. The information was incomplete, so using google, I found billing online and entered my info, including my ssn, dob, etc and the system kept returning with the message no record no patient match found. The billing site says even in collection situations, the original detailed billing is available and corresponding date of sent to collections. Phoenix Financial Services LLC reports the original date as XXXX, below are a direct copy and paste from my XXXX credit report pulled today XXXX/XXXX/XXXX with the info that Phoenix Financial Services LLC reported and XXXX claims they disputed with Phoneix Financial Services LLC but will not share the information received or proof that any information was received. It may be listed as frivolous dispute, so says XXXX in the fine print. I do n't know where else to turn and am afraid to dispute this again in fear that they will not accept or request proof of debt from Phoenix Financial Services LLC. Also, as you will see below, they original date from XXXX XXXX XXXX was XXXX, I 'm not sure if that is correct or not, but I was not living in XXXX at that time, I moved back to XXXX in XXXX XXXX after moving away in XXXX XXXX to XXXX TX to help my father complete some projects around his home to make ready for sale. On a side note, I did receive 1 letter from XXXX XXXX XXXX in XXXX, with a bill due for {$20.00} and change that my insurance did n't cover. The name on the paperwork was XXXX XXXX, so I assumed it was ID theft or billing error. I took the appropriate steps and filed with the police and FTC and had the fraud alerts on my credit burea 's for over 1 year. I mailed this info to the billing return at XXXX  XXXX XXXX and never heard back. Although this does n't appear to be related as the amounts and 4 separate bills supposedly made on the same date, same patient, same hospital system, and no details available to me are being reported and aggressively being collected with non stop phone calls with no voice mails. I have never received any correspondence from Phoenix Financial Services LLC or XXXX XXXX XXXX via USPS or email. The only reason Phoenix Financial Services LLC has my number is that it was captured when I made the call to XXXX XXXX - COPY AND PASTE BELOW XXXX Credit Report for XXXX XXXX Errors in your Credit ReportPrint ReportAs of : XXXX until : XXXX/XXXX/XXXX - Report Does Not UpdateConfirmation # XXXX XXXX XXXX XXXX A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. 
PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1900.00} Date of 1 sXXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$1900.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$200.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$200.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$200.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$200.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account PHOENIX FINANCIAL SERVICES XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$370.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$370.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation