Figure submitted an account over the phone (5)
I believe the answer is:
build
'figure' is the definition.
(both can mean someone's physique)
'submitted an account over the phone' is the wordplay.
'submitted an account' becomes 'billed' (to bill someone is to give them a bill or account).
'over the phone' indicates a 'sounds like' (homophone) clue (how it might sound over the phone).
'billed' sounds like 'BUILD'.
(Other definitions for build that I've seen before include "Construct" , "Increase gradually" , "Put up" , "Institute" , "Create" .)