Consumer complaint received 2016-07-26
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX This morning at XXXX I received a phone call from XXXX from Phoenix Financial Services XXXX Rep only identified firm and some obscure medical provider and did not give more information so I thought it was a phishing scam. When I called back at XXXX, the rep was willing to offer more information on who they were, and what their relationship is to the medical debt. They claimed that they have been sending me collection notices for 3 years, none of which I have received. I had asked for them to confirm the address ; XXXX then confirmed that they had the wrong physical mail address, and was able to review my file and get the correct mail address which I confirmed. The rep then stated that they would still put a collection notice on my credit report despite that I have never received a proper notice from this firm in relationship to the debt. I made it clear that I was not refusing to pay on a debt that I supposedly owed, but I needed physical documentation to verify their claim. Again, they referred to the notices I have n't received because THEY sent them to the WRONG address for 3 years. I asked to speak to a supervisor named XXXX. XXXX informed me that they would move forward on putting the debt on my credit report profiles despite not being properly notified under the FCRA. Further, I had informed them that the debt was part of a workers compensation claim. The firm dismissed that claim, stating that my personal insurance was notified and had paid the debt. If they had paid the debt, I failed to understand why they were calling me. Again, I had asked for physical documentation to be mailed to me at the correct physical address that they finally confirmed. They also alleged that I was trying not to pay the debt. Again, under the FRCA, I was never notified of any debt collection attempts. 

As a consumer, I am very wary of phishing attempts and have been apprehensive to release or confirm personal identifying information to unsolicited phone calls. I have never refused to pay outstanding debts if I am aware of them, and this claim was made under workers compensation which I was informed that everyone that had provided medical services were paid under the claim. I informed Phoenix Financial Service of this and they said they would move forward on putting derogatory remarks under my credit profile regardless in violation of FCRA. 

This complaint is being filed in preparation that they were properly notified of the correct address, and that I will not pay any unsolicited collection attempts without reviewing who they are/what the debt is/who the medical provider was that they are representing. When I receive proper notification, I will move forward to rectify any outstanding accounts should they prove valid. If Phoenix Financial Services fails to provide such documentation, I will be exercising my rights to sue under the FCRA and also file a complaint with FTC and CA State Attorney General 's office.

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