Consumer complaint received 2020-08-26
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I was in the ER of XXXX XXXX XXXX ( XXXX. ) in XXXX, NJ. I never received a bill. Fast forward to XXXX I received a collections notice. I phoned the company to find out why I was in collections. I told them I never received a bill and I don't know what they are talking about. I then called my insurance company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and  after looking into their records they could not find any claim for {$2800.00} for XXXX. Called collection agency again, they said I didn't get a bill because the hospital had the wrong address. I called XXXX. and they said it was my fault because the address was wrong. 
I said to her, " Why would I give you the wrong address when I have great insurance and it would have been paid ''. She just put the blame on me and hung up. I called my insurance co. and we called collection agency together to try and resolve. After more digging the insurance company said that the claim was " purged '' and that they can try and get it " unpurged '' but that I will not be responsible because of time frame and they had the wrong address. She also told me XXXX or I may not be responsible because of the statue of limitations and they will tell the collection agency that they can't collect from either of us. Approximately 30-days later I received a call from XXXX saying that they are not responsible because of the statue of limitations and that I'll be responsible. I said to her, " What about informing the collection agency that I am no responsible either? '' She backpedalled and said becuase they are out of XXXX  they have no legal right to direct the NJ office to tell the collection agency they I am not responsible either. This is so unfair. When I went to the ER the nurse had to come get me from the ladies room where I was found on the XXXX in the XXXX XXXX in so much pain. Between XXXX and the pain I was in, they should have gotten my information from me when the Dr. administered the pain medication and I could think straight. Why would I give them the wrong address and give them the correct address of the company I worked for??? And how is it that the collection agency found me and the hospital couldn't. There is no such address because I looked it up. So, they had to be getting letters back as undeliverable. They just didn't want to do their due diligence to find the correct address. I'm listed if you do a 30 second search on the internet for me! And the collection agency just keeps telling me, Well, sorry the insurance company won't pay, we can set up a payment plan for you. It's unfair that if someone would have went an extra step further 6 years ago we would not be in this position. Now the bill is still unpaid, still on my credit report, AND although I am said to have really great credit I can not get a mortgage because of this fiasco on my credit report. So, I sit and cry because I'm exhausted from fighting. Please help me.

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