Current Alerts For This Business
BBB files indicate that this company may have a pattern of complaint. Specifically, consumers allege the business
• Sends collection notices concerning debt that consumers do not owe and/or have already paid
• Fails to provide verification of debt at the request of consumers
On June 13, 2023, BBB requested that the business respond to the alleged pattern. On July 20, 2023, the business responded to BBB with steps they are implementing to eliminate the alleged pattern of complaint. Their response includes the following statement:
"Phoenix does not issue improper collection notices and we are enhancing out policies and procedures by:
• Conducting reasonable investigations on all disputes received from consumers, including verification of account details with the creditor
• Randomly auditing and validate debts being credit reported by PFS
• Implementing controls to ensure the accuracy of data furnished to any Credit Reporting Agency and auditing compliance with those controls."
As of August 9, 2023, BBB will continue to monitor the alleged pattern of complaint.
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
03/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I do not have a debt with American Medical Response. My health insurance would have covered it if I did. I have never received a bill from AMR, I have never received a phone call from AMR billing department, and I've never received any payment demands through the mail from AMR. This randomly showed up on my credit report and does not belong to me. I have filed a dispute on my credit report and will be sending debt validation and deletion demands.
Business response
04/04/2024
PLEASE SEE OUR RESPONSECustomer response
04/04/2024
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.
*Has the company addressed the issue of the dispute? No
*If not, why? The 2019 AMR bill was taken to ****** customer support and was taken care of by my insurance. There should be no debt to this company, and I want it off my credit report immediately.
*Has the company met the agreement they outlined in their response? No. ????
Please submit your thoughts via the online system included, or fax, email, or mail within 7 days.
Regards,
*******************************Initial Complaint
03/28/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im not liable for this debt with Emergency Group of ************************** I do not have a contract with Phoenix Financial Services. They did not provide me with the original contract as I requested.Business response
04/01/2024
PLEASE SEE OUR RESPONSE ATTACHEDInitial Complaint
03/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with ******* EMERGENCY PHYSICIANS. I do not have a contract with Phoenix Financial Services, LLC. They do not provide me with the original application like I askedBusiness response
03/15/2024
Please see our response attachedInitial Complaint
03/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im not liable for this debt with American Medical Response. I do not have a contract with Phoenix financial Serv. They did not provide me with the original contract as requested.Business response
03/15/2024
PLEASE SEE OUR RESPONSE ATTACHEDCustomer response
03/15/2024
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 with this reply because its not my debt, And if the original date is **************************************************************************** 2024 seems like theyre not complying with rules and regulations and laws.
Regards,
*********************Initial Complaint
02/23/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
For approximately the past three months I have been receiving a bill from Phoenix financial services stating that I owe $1303.32 from an ambulance ride from American medical response dating back on 12/09 /17. I had settled a bill sent to collections for AMR dating back then when I downloaded Credit Karma and saw that I had a bill sent to collections a few years ago I no longer owe this and I settled it for a little over $800I am not completely sure the amount I would have to contact these businesses to get this amount if need be .My soul purpose for this is to report this company I did contact them and they were trying to get personal information and stating that they were going to only give me two weeks otherwise they were going to start charging more money they were extremely aggressive on the phone I then looked into it and found online that there is multiple reports that this is fraudulent and this company is doing this too many people. The companys return address is different on the bill than their physical address. All the information you get is different online and this company is probably getting a lot of money out of scamming people . This is very alarming due to the fact that this is an accurate date and amount of a previous bill I had in collections. These people are hacking information and getting into peoples identity.. They should be investigated and stopped from continuing what they are doing to people. Being that I am very diligent about trying to keep my credit good I almost give them information that could have been detrimental. They go by Phoenix financial services physical address ***********************************************************************and the returned address. Is PO Box 1280 oaks ** ********* phone number ***********Business response
02/27/2024
PLEASE SEE OUR RESPONSE ATTACHEDInitial Complaint
02/13/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with PHOENIX FINANCIAL SERVIC. I dont have a contract with the collection agency trying to collect or reporting with this agency. I did not sign any paperwork stating I would pay or owe them any money. They did not provide me with the original contract as requested.Business response
02/14/2024
We appreciate the opportunity to resolve this matter with the consumer. However, we are unable to find an account in our system matching the information listed in the complaint. Please contact ********** at ************ and request an account number that we can use to locate your information. Once that has been completed I can address the complaint direclty.Initial Complaint
02/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with American Medical Response. I do not have a contract with Phoenix Financial Services, they did not provide me with the original contract as I requested.Customer response
02/12/2024
I am not liable this debt with American medical Response. I do not have a contract with Phoenix Financial Services, they did not provide me with the original contract as I requested.Business response
02/16/2024
Please see our response attachedCustomer response
02/19/2024
I did not authorize my information to be sold to third party agency, this account needs to be remove from my credit report.Customer response
02/20/2024
I did not authorize my information to be sold to third party agency, this account needs to be remove from my credit report.Customer response
02/20/2024
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 did not authorize my information to be sold to third party agency, this account needs to be remove from my credit report.
Regards,
*******************************Business response
02/23/2024
The consumer was provided an option to submit proof that this debt is not owed. The chain of custody for this account has been established and we have taken the necessary steps to validate this debt. Please close this complaint.Customer response
02/28/2024
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 did not authorize my information to be sold to third party agency, which is illegal this account needs to be remove from my credit report.
Regards,
*******************************Initial Complaint
01/31/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable of this debt with PHOENIX FINANCIAL SERV. I do not have a contract with VED MEDICAL GROUP. They did not provide me with the original contract as I requested.Customer response
01/31/2024
I spoke to the original creditor via telephone and nothing was sent to me thereafter.Customer response
01/31/2024
I spoke to the original creditor via telephone and nothing was sent to me thereafter.Business response
02/02/2024
PLEASE SEE OUR RESPONSE ATTACHEDCustomer response
02/07/2024
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 have not received any calls on behalf of this third party debt collector Phoenix financial, neither does Phoenix financial have my phone number nor have I spoken to anyone from this third party debt collector concerning any debt. I am not liable for this debt therefore it needs to be removed from my credit report.
Regards,
***************************Business response
02/08/2024
The consumer has not provided an updated contact number, nor have they verified the accuracy of the phone numbers on our account. We made multiple contact attempts to the phone number of record, which was provided at placement. If the consumer believes they don't owe this debt, please submit proof to *******************************************************. Please close this complaint.Initial Complaint
01/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am rejecting this collection attempt because it was settled 3 years ago, and complaints were filed against AMR (***** and ******** BBB and ***** Attorney General) for violations of Balance Billing and Deceptive Trade Practice Act in 2021. See 2021 complaint: It is the billing departments responsibility for American Medical Response ambulance service to bill fairly and make arrangements for out of network billing with patients insurance companies - Balance Billing; ***** passed a law against Balance Billing! After my insurance company - AETNA paid their portion, my responsibility was for the balance of $97.30, which I paid in full to credence, and which satisfies my remaining balance responsibility. I am filing against Phoenix Financials Services in *****, as well as the ***** ************************ for Deceptive Trade Practice for their deceptive means in which they: 1 -March 2023 tried to extort money from me having some woman trying to dun me and refusing to tell me her name and who she works for and mailing out letters that look like checks (which I threw away thinking they were scams) and 2-they cited their client as ******** **************** whom I have NEVER done business with for a supposed debt over 3 years old!Business response
02/02/2024
PLEASE SEE OUR RESPONSE ATTACHEDCustomer response
02/02/2024
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 am rejecting the response made by Phoenix Financial Services because: 1 - I never heard from or of ******** **************** LLC; 2 - it looks like they are playing the "bait and switch: with the only letter I opened (throwing others away as they look like junk mail scams AND it was sent AFTER they sent collections to credit reporting agencies) having a different address for the return address and citing ******** **************** LLC who in turn received it from Credence who received it from ARM as their client? Too many to keep up with! This was from a disputed bill received in 2019 - 4 YEARS AGO! See attached from my insurance EOB and my original response and BBB complaint Complaint # ******** in 2020: "I am rejecting this collection attempt because it was settled over 3 years ago, and complaints were filed against AMR (***** and ******** BBB and ***** Attorney General) for violations of Balance Billing and Deceptive Trade Practice Act. See 2021 complaint: It is the billing departments responsibility for American Medical Response ambulance service to bill fairly and make arrangements for out of network billing with patients insurance companies - Balance Billing; ***** passed a law against Balance Billing! After my insurance company - AETNA paid their portion, my responsibility was for the balance of $97.30, which I paid in full to Credence, and which satisfies my remaining balance responsibility".In addition my complaint still has not been addressed - see my original complaint: 3 - I am filing against Phoenix Financials Services with the BBB in *****, as well as the ***** ************************ for Deceptive Trade Practice for their deceptive means in which they: 1 -March 2023 tried to extort money from me having some woman trying to dun me and refusing to tell me her name and who she works for and mailing out letters that look like checks (which I threw away thinking they were scams) and 2-they cited their client as ******** **************** whom I have NEVER done business with for a supposed debt over 4 years old!
Regards,
*******************************Customer response
02/05/2024
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 am rejecting the response made by Phoenix Financial Services because: 1 - I never heard of OR from or of ******** **************** LLC; 2 - it looks like they are playing the "bait and switch: with the only letter I opened (throwing others away as they look like junk mail scams AND it was sent AFTER they sent collections to credit reporting agencies)having a different address for the return address AND citing ******** **************** LLC who in turn received it from Credence who received it from ARM as their client? In addition, Phoenix Financial Services response states This account originated with Global Medical Response, with a service date of 11/19/2019 WHO IS GMR? The original company was AMR American Medical Response, not GMR! Too many to keep up with! This was from a disputed bill received in 2019 - 4 YEARS AGO! See attached from my insurance EOB and my original response and BBB complaint Complaint # ******** in 2020: "I am rejecting this collection attempt because it was settled over 4 years ago, and complaints were filed against AMR (***** and ******** BBB and ***** Attorney General) for violations of Balance Billing and Deceptive Trade Practice Act. See 2021 complaint: It is the billing departments responsibility for American Medical Response ambulance service to bill fairly and make arrangements for out of network billing with patients insurance companies - Balance Billing; ***** passed a law against Balance Billing! After my insurance company - AETNA paid their portion, my responsibility was for the balance of $97.30, which I paid in full to Credence, and which satisfies my remaining balance responsibility". In addition my complaint still has not been addressed - see my original complaint: 3 - I am filing against Phoenix Financials Services with the BBB in *****, as well as the ***** ************************ for Deceptive Trade Practice for their deceptive means in which they: 1 -March 2023 tried to extort money from me having some woman trying to dun me and refusing to tell me her name and who she works for and mailing out letters that look like checks (which I threw away thinking they were scams) and 2-they cited their client as ******** **************** whom I have NEVER done business with for a supposed debt over 4 years old!
Regards,
*******************************Business response
02/05/2024
The consumer's information has already been forwarded to the creditor for review. The consumer's account is closed in our office there is nothing further that we can do. The consumer can contact the creditor (listed in our initial response) with any further questions.Customer response
02/07/2024
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 appreciate your reply. I want to make sure my complaint and my most recent response rejecting Phoenix Fin reply will be on the BBB website when I (consumers) do a search on their business. Also, please see attached from the BBB website I found after searching complaints on Phoenix Financial services!. I do not know if you have seen this, but I find this very revealing about this company and what I (and others) have been through dealing with them.
Regards,
*******************************Initial Complaint
01/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am very disturbed and upset with PHOENIX FINANCIAL SERV with account number : **** has not responded back to me I sent a letter requesting the proof of contract . I need this account be deleted from my credit report as they violating my rightBusiness response
01/24/2024
PLEASE SEE OUR RESPONSE ATTACHED
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Contact Information
Customer Complaints Summary
246 total complaints in the last 3 years.
79 complaints closed in the last 12 months.