A user controlled mobile device for use in countering phantom billing fraud in connection with receiving or providing health care services includes one or more components capturing and outputting biometric data and location data, and a data storage device holding an event record created without explicit user intervention indicating whether the particular user was at the particular location, the event record including a timestamp corresponding to events at or near a time of the timestamp including a time of capture of the biometric and location data, the biometric data and location data, where the stored event record serves as the personal audit trail evidencing an existence or absence of phantom billing.