Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/21/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection comapny did not validate the debt. It was disputed with another collection company end of 2022 and ruled in my favor: I went to the emergency room on 7/5/2018. I disclosed my history that I had spinal injuries that started from a *** on 12/24/2010. So, eight years later there is no accident claim because my ** visit wasnt from a ***. I stepped off a sidewalk on 7/4/2018 as I was looking up at the sky and something popped in my neck. I waited a day to see if the pain would subside and if it didnt I would seek treatment which I did. So, the ** Physician group coded it as a *** and my insurance denied it. I moved and my insurance was cancelled and I couldnt login to the Florida Blue website to see the improper coding from the ** physician. This isnt my fault, its an error on the ** physicians group. If they would have coded it correctly they would have been paid. Everyone else was paid at the time, except for them because of the *** code. Now, four years later this is sent to collection.

  Business Response

  Date: 01/25/2023

  PLEASE SEE OUR RESPONSE ATTACHED

  Customer Answer

  Date: 01/26/2023

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. 
  
  
  

  Regards,

  ***************************

• Initial Complaint

  Date:01/12/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this **** with Tx Hlth HEB and I do not have a contract with Phoenix Financial services. They did not provide me with the original application like I asked.

  Business Response

  Date: 01/13/2023

  PLEASE SEE OUR RESPONSE ATTACHED

• Initial Complaint

  Date:01/07/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with MEP HEALTH LLC and do not have a contract with Phoenix Financial Services. They did not provide me with the original application that I asked for.

  Business Response

  Date: 01/10/2023

  PLEASE SEE OUR RESPONSE

• Initial Complaint

  Date:01/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law. Here are the details of the said inaccurate accounts, company name, balance & date last reported: Account Name PHOENIX FINANCIAL SERV Balance $956.00 Account Number *******

  Business Response

  Date: 01/09/2023

  PLEASE SEE OUR RESPONSE ATTACHED

• Initial Complaint

  Date:12/12/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Phoenix Financial Servic and do not have a contract with Convergent. They did not provide me with the original application like I asked.

  Business Response

  Date: 12/15/2022

  PLEASE SEE OUR RESPONSE ATTACHED

  Customer Answer

  Date: 12/15/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  I am not satisfied due to a few reasons which I will speak about. There's a law being broken, this business is breaking the ***** Law also 15 USC **** section 602 A states I have the right to privacy. I requested original copy's of the contract to verify the debt which I never received. I have recently notice fraudulent activities on my credit report which states it in the identity theft report I filed after noticing the fraud . The company has yet showed or proved the debt are legit or even belong to me. I am asking for this collection be deleted off credit report. Thanks

  Regards,
  
  ***********************
  

  Business Response

  Date: 12/19/2022

  As stated in my previous response, a detailed verification of debt has been mailed to the consumer.  Any medical information that we have been provided by the creditor is only for collection purposes.  We do not share that information with third parties.  If the consumer believes this to be a matter of identity theft, then they can submit an id theft/police report and affidavit of truth to *******************************************************.  We will be happy to forward that information to the creditor for review.  We have answered the consumer's complaint and request that it be closed.

  Customer Answer

  Date: 12/20/2022

  Better Business Bureau:

  I do not have a contract with Phoenix Financial Service nor has they provided any contract of this medical debt proving it's owe by **** feel addressing the issue would be for the business to prove the debt is mines which hasn't happened so No I feel the company hasn't address the issue of dispute nor met the agreement they outlined in their response. Onlything the company did was admitt to breaking the law by having my medical records. I feel having this company delete my file and trashing my medical record would be the best thing to do

  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  I am not Satisfied with this resolution because I haven't seen any evidence claiming this debt belong to me or any evidence showing why the company has my medical information. I do not have a contract with Phoenix Financial Services or the medical company that would be the third party. I feel the company has not addressed the issue of dispute cause if so I would have been provided the original contract or any none disputeable documents.Also feel they did not meet the agreement of outlined as well due to those matters

  
  Regards,
  
  ***********************

  
  

• Initial Complaint

  Date:11/26/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The nature of this dispute is my insurance paid this bill. ******************** company sent me a letter stating that they will no longer attempt to collect this debt the company claims I owe. Now I receive a letter from this collection agency trying to collect this debt.

  Business Response

  Date: 12/02/2022

  PLEASE SEE OUR RESPONSE ATTACHED

  Customer Answer

  Date: 12/02/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  They're still trying to communicate with me.  I don't want them communicating with me, I need the company that's filing this debt to communicate with me.  
  
  Regards,
  
  *****************************
  

  Business Response

  Date: 12/07/2022

  There have been no further attempts to contact the consumer by **********.  The consumer's account remains in a cease communication while we await the proof of insurance payment.  We have complied with the consumer's wishes to not be contacted.  We request that this complaint be closed.

• Initial Complaint

  Date:11/23/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Peach Emergency Group LLc and do not have a contract with Phoenix Financial Services LLC. They do not provide me with the orginial application like I asked.

  Business Response

  Date: 11/28/2022

  PLEASE SEE OUR RESPONSE ATTACHED

  Customer Answer

  Date: 11/28/2022

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this response/resolution is satisfactory to me. Please make sure that its removed from all 3 credit bureaus.
  
  
  

  Regards,

  *********************

• Initial Complaint

  Date:11/22/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Contacted for weeks by this company. They would call, let the phone ring once, then hang up. Eventually they left a voicemail. Received a letter stating I owed over $1700 for a patient that I have never met nor have any relation to. Was assured the case number was put into dispute, only to call back and have the next person say that it was not in dispute but that he would put it in dispute. Have written emails with no response. This debt does not belong to me, nor anyone related to me. They do not even have the same name. Its ridiculous that one can be harassed by these people, and even when they are in the wrong, they drag their feet to correct the issue. You are messing with peoples lives. Get rid of this debt, and go find the right person. Again, it does not belong to me, or anyone in relation to me. And email/mail me proof that it has been wiped from my name.

  Business Response

  Date: 11/22/2022

  We appreciate the opportunity to assist the consumer in this matter.  The consumer's address and phone number have been removed from this account as bad contact information.  We have also added the phone number to our internal Never Call list.  We apologize for any inconvenience this caused the consumer.  Please do not hesitate to reach out to ******************************************************* with any further questions.

  Customer Answer

  Date: 11/23/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

   

  I need it in writing that this debt has been removed from my name, and that it will not reflect on my credit, and that the debt does not belong to me.  Mail is preferred, but email is acceptable as long as it has some kind of letterhead. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *************************
  

  Business Response

  Date: 12/02/2022

  We do not have a letter prepared for this situation. Due to strict regulation our letters are prepared and contain specific disclosures and notices, which makes modification impossible.  My response to this complaint is in writing and can be retained as proof.  We request that this complaint be closed.

  Customer Answer

  Date: 12/09/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

   

  You all were quick to send me a letter falsely accusing me of something.  The very least you could do is draft a letter, on official letter head, stating your mistake and making this right.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:11/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Phoenix Financial appears on my credit report stating I owe $904 for a past due doctors visit in 2021. This is fraudulent and a scam. I haven't lived in ******** since 2018 and I never went to ******** in 2021. This claim was opened this year and it's now illegal to post medical claims on credit reports by law. I never received a medical bill from any doctor. I called the original creditor DEGARA APP PLLC and I was informed I have no outstanding bills or accounts. Phoenix Financial will not provide me any documents proving such debt, especially from the original debtor. They have not sent anything via mail; when I called them. Phoenix Financial is listing this collection as a new debt in 2022; they are a 3rd party debt collector. I want this removed from my credit immediately.

  Business Response

  Date: 11/22/2022

  PLEASE SEE OUR RESPONSE ATTACHED

  Customer Answer

  Date: 11/23/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *****************************
  

  
  

  The business is lying I contacted  them by phone and spoke to someone last month and she stated that medical bill was from 2021 not 10/4/2020. As I previously stated I was a resident of *** during that time and wasn't in ******** to receive medical treatment. Phoenix Financial as stated in their response letter doesn't have the debt information from the original  creditor and NEVER had it to begin with. Purchasing debt from another creditor is illegal as well. This is complete and  utter fraud on their behalf. Scam someone else because I'm not the one and will pursue litigation 

  Business Response

  Date: 12/02/2022

  After a second review of call recordings there is no instance in which the consumer is given a date of service occurring in 2021 by any representative of **********.  We only have one account for this consumer and it has a date of service of 10/4/2020.  If the consumer believes that this is a case of identity theft please submit a police report and affidavit of truth to *******************************************************.  We will be happy to submit that to the creditor for review.  Otherwise, we are unable to move forward and we ask that this complaint be closed.

  Customer Answer

  Date: 12/02/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *****************************

   

  Phoenix financial services never provided me with the original bill for the date of service for 10/4/2020. I'm still awaiting proof of the date of service 10/4/2020 from the original creditor.  Phoenix financial stated that they would provide me with their proof of the original service date. Phoenix financial has failed to provide me with proof of the original service on 10/4/2020. As I previously stated they do not have the proof and they never had the proof. Phoenix financial is attempting to scam me out of money. If they can provide, the original service date receipt and bill as proof of me being service in ******** in 2020 then we can proceed. They have failed to uphold their end and be professional. Stop trying to scam me.

  
  

  Business Response

  Date: 12/07/2022

  On 11/28/2022 a detailed verification of debt was mailed to the consumer.  We have to request this information from the creditor before it can be provided.  There is nothing further for us to provide in this matter.  If the consumer has proof that this debt is not owed, please submit to *******************************************************.  We will be happy to review and assist in any way possible.  We request that this complaint be closed.

  Customer Answer

  Date: 12/12/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  *****************************

  Once again, Phoenix Financial Services is being deceptive and  untruthful. They haven't sent me any letter from the original creditor.  Today is December 12, 2022 and I haven't received any form of communication from them. They are lying and continue to lie. This is not my debt. I'm responsible and they are attempting to scam me and trying to falsely accuse me of being responsible for some debt that doesn't exist. They are liars, and this needs to be removed off of my credit report immediately. I am not responsible for this debt, as I have previously stated.

  
  

• Initial Complaint

  Date:11/16/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is a scam company pretending to be a real debt collection agency. They signed up with BBB and somehow got accredited so they could appear legitimate but they are not. And even if they are real, the employees are very rude so either they're a terrible business or a scammer , but the way they talked to me and avoided answering questions, they were speaking the exact same way thar scam callers speak to me. Someone even answered the phone while they were singing, which is what scammers do sometimes. It was actually the same exact voice as one of the scammers that calls me everyday, and she sings when she calls me too, so I know for a fact these guys are scammers. Please contact me back about this because I will be reporting this company to the police as well for fraud.

  Business Response

  Date: 11/16/2022

  On 11/16/2022, ******************** called ********** from the phone number listed in this complaint.  ******************** requested that we advise what our reason for calling was and provided a different phone number that we had called.  Once that phone number was researched in our system it was determined that the account in question did not belong to ********************, but to his grandmother.  ******************** was advised that we could not discuss the details of this account without his grandmother's verbal permission.  ******************** continued to ask questions that we are unable to answer due to privacy laws.  Those questions will not be provided to anyone other than the party listed on the account without permission.  We have not made any attempts to contact anyone at the phone number listed in this complaint and we have no business with ********************.