Consumer complaint received 2019-11-22
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:
I received a letter dated XX/XX/XXXX from Phoenix Financial Services ( " PFS '' ). In the letter, Phoenix Financial Services stated that I have an unpaid debt owed to XXXX XXXX XXXX XXXX XXXX Hospital in the amount of {$2100.00} and that they were contracted by XXXX XXXX XXXX XXXX XXXX Hospital.to collect this debt. 

In the original letter from Phoenix Financial Services, the Date of Service was listed as XX/XX/XXXX. However, I have never visited this facility, nor, received treatment in their Emergency Department. Using my personal data, I was able to log into their Patient Portal site to access the documentation related to the encounter of XX/XX/XXXX. In the patient 's medical record associated with this encounter date, it is documented that the patient is " XXXX/XXXX American. '' I am XXXX. This discrepancy was included in my letters to the Credit Reporting Agencies, Phoenix Financial Services, and XXXX XXXX XXXX XXXX XXXX Hospital. 

Also, the medical record states that the patient was admitted and treated on XX/XX/XXXX and XX/XX/XXXX.. On XX/XX/XXXX, I traveled to XXXX, by air, for a cruise to the XXXX on XX/XX/XXXX. I have provided all three groups above with documentation of my flight and hotel information. 

I have contacted both XXXX and XXXX by mail, to initiate a dispute of this record on my Credit File. The details above were included in my disputes. Both XXXX and XXXX  responded by stating an investigation was completed and that the investigation revealed that the record was verified to be mine. 

I have contacted, by mail, Phoenix Financial Services to dispute the record directly with them. A letter, dated XX/XX/XXXX, from PFS states they have received my dispute and requested I provide a copy of a police report I filed for Identity Theft. Since I do not know how this error occurred, I am not willing to give false information to police by stating my identity had been stolen. 

Also, I have contacted XXXX XXXX XXXX XXXX XXXX Hospital by phone on XX/XX/XXXX and left a voice mail message. Having not receive a response, I submitted my dispute, in writing, to the Patient Financial Services department at XXXX XXXX XXXX XXXX XXXX Hospital on XX/XX/XXXX.. Still not receiving a respone, I sent a certified letter to their CEO, again disputing the record on XX/XX/XXXX. As of today 's date, I have not received a response from XXXX XXXX XXXX XXXX XXXX Hospital Patient Financial Services nor their CEO. 

I question whether the credit reporting agencies or PFS actually verified that the debt was mine. If they truly investigated this dispute, then the dispute would have been successful and the record would have been removed from my Credit File.  In my few experiences being treated at an Emergency Department, a Registration Specialist has always required a state-issued photo identification and I have always had to sign treatment consents and health insurance forms. In my letter to both the Patient Financial Services and CEO of XXXX XXXX XXXX XXXX XXXX Hospital, I asked for them to provide me a copy of my signature, obtained on XX/XX/XXXX, and a record of the type of identification I used during the registration process. Unfortunately, I have not received any response from the facility.

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