if [ $COUNTER -eq ${#PHONE[@]-1} ];
should be
if [ $COUNTER -eq ${#PHONE[@]} ];
or produces an error in bash.
Also equates to wrong number as COUNTER++ precedes this, so you are checking the following
COUNTER goes from 1 to x
PHONE goes from 0 to 2
This will skip item 0 every time
if [ $COUNTER -eq ${#PHONE[@]-1} ]; should be if [ $COUNTER -eq ${#PHONE[@]} ]; or produces an error in bash.
Also equates to wrong number as COUNTER++ precedes this, so you are checking the following COUNTER goes from 1 to x PHONE goes from 0 to 2 This will skip item 0 every time