Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I made a payment and spoke to XXXX at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX asking her to check to see if I could get a reduction and pay the balance in full. My balance due was XXXX after the payment I had just made .. XXXX told me it would take about a week to two weeks for the client to reply. Since I had not heard from her I called her back she said there was no reply. XXXX said she would send another request for discount. I called back on XX/XX/year>. I was so desperate to get this debt behind me. I held an unusual length of time. She had always been quick to come to the phone.. When XXXX came to the phone she said XXXX XXXX it appears that you do not owe anything else. I said what do you mean? she said they gave you the full discount of the balance. I asked are you sure? She said yes you owe nothing. I notice she sounded sad and while I was rejoicing she didn't sound happy for me. Then I start praising XXXX for my blessing. I know I asked her more than two more time. I was so thankful. In XXXX I received a text message from another debt collector. I said no way I am I clicking on a text message for a debt, and it's for the same amount that was left from the other collection agency. I just knew it was a scam. XXXX XXXX XXXX told me debt was paid in full, and I believed them. The Text message was saying XXXX your account was placed with us from XXXX XXXX XXXX, and to click on the link, and provide name and date of birth. I know better to click on a link and provide personal information through a text message. I received another text message on XXXX XXXX. I still thought wow these scammers don't give up. I said they must have hacked into the other collection agency system and got my information. I was feeling uncomfortable so I decided to call XXXX at XXXX. I told her about the text message and she said XXXX XXXX your balance is XXXX and don't click on that link. She said you need to call the hospital and let them know about that text message because the hospital don't send a debt to two collection agencies at one time. If we told them debt paid in full, they are not going to send to another collection agency, I did call the hospital not sure if it was the same day, but I spoke to XXXX. I explained to her that My debt was XXXX. She told me we never received XXXX  notification. I told her XXXX said they notified them of the XXXX balance. XXXX said I will call CRC with you on the phone I said ok. We got CRC manager she told XXXX XXXX XXXX has a XXXX balance. She does not owe anything. XXXX said can you please send us an email showing XXXX balance, she told XXXX yes. I asked for her to send me one also. She said okay. I had followed up with the hospital to see if they had received anything, someone name XXXX from hospital had left me a message saying still no decision. I called XXXX back on XX/XX/XXXX. It had been over 10 days I do believe or close to it. I told XXXX I had not received the letter for XXXX balance. XXXX said XXXX XXXX it shows that the letter were printed up but not mailed. I said why? She told me that the manager at XXXX had made a mistake and put my balance to XXXX. I asked her when did they discover this. She told me on XX/XX/XXXX. I asked her why did they not call and tell me? In the mean time the other collection agency had turned it into the Credit Bureau and my score went down over XXXX points. I expressed to XXXX do they realized what they have done to my life. All it would have taken was them calling me and telling me the truth. They knew two weeks before the other collection agency reported it. I could have taken care of that debt. This was the intention with XXXX back in XXXX. I wanted to pay the balance in full. I was and still is devastated. I have worked so hard on keeping good credit. I had gotten sick and got behind in my debt, but I was fighting my way back. I called the hospital and asked why would they continue the processing of sending to the collection agency, when they knew I thought I had a XXXX balance and was waiting on the letter from XXXX. I never thought they would continue the process until we got a resolution from XXXX. XXXX gave me and XXXX XXXX XXXXalse information. I believe this complaint need to done due to, if they would have investigated more and told me the truth as soon as they found out. I could have saved my credit score and I would have just let it go. I know people make errors, but they was hoping I went away, No I am filing a complaint and want an attorney to file a law suit. I am in contact with the other collection agency to take care of the debt. I am upset at the new collection agency for not sending a letter but texting a debt. I read it is not legal to do that. Is that true? This is my complaint

Company response to consumer: Closed with explanation