Consumer complaint received 2023-03-21
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/XXXX I received a debt notice from Phoenix Financial Svcs, stating I owed {$93.00}. It did not list why or for who this money was owed. This was the first contact in regards to this. I selected " I want to dispute the debt '' and " Other '' and described in a written note that they did not include who I owed money for and why I owed this money. I also checked " I want you to send me the name and address of the original creditor ''. I mailed this form and letter to the debt collection company on XX/XX/XXXX. I did not hear back. 
On XX/XX/XXXX I received notice from a credit monitoring company that a negative remark was placed on my credit history. I researched why and found that Phoenix Financial placed a negative report on my credit history affecting my credit score in reference to the {$93.00}. Also on XX/XX/XXXX, I began a dispute process with the credit reporting company who stated they would notify Phoenix of my dispute. 
On XX/XX/XXXX - I received a letter from Phoenix stating this letter was in response to my dispute filed and stated the bill was for a company called XXXX XXXX XXXX XXXX  '' for a date of service of XX/XX/XXXX. On additional pages it appeared to be a letter from a company named " XXXX XXXX XXXX '' with my information, insurance carrier, a diagnosis code, and XXXX codes. 
I called the phone number provided by Phoenix for additional information as I was still not familiar with either company name and doing business with them in XXXX. I spoke with two people, both were rude and arrogant. One was allegedly a supervisor. 
I stated I was calling with a complaint and also that I needed more information to proceed to pay money I owed. I stated the complaint was with their practice of putting a negative remark on my credit history after I requested additional information using the form on the notice they sent me and that they never responded. She had no answer other than I should have paid my debt. I said this leads to why I called for more information and that they still did not explain to me why I owed money and to who as I did not know this name. The lady stated it was for an ambulance I took from XXXX XXXX XXXX. I assured her I never took an ambulance with the name XXXX XXXX XXXX on the side and was not even familiar with a company by that name. 
The supervisor was rude, arrogant, threatening, and unprofessional in her dealings with me. She refused to explain why they would not respond to my request for additional information and why they placed a negative report with on my credit affecting my score. 
She hung up without helping me. 

I did research and found that " XXXX XXXX XXXX '' is now the owner of a company called " XXXX XXXX '' who runs an ambulance company named " XXXX ''. So the original creditor information was never provided to me by Phoenix as requested and required.

I am disgusted with the business practices of Phoenix and how they affect my history without a care or repercussion to them. PLEASE HELP.

Company response to consumer: Closed with explanation