I had this happen to one of mine too. When I pulled back the sheaths of the dropped leaves, the crown had rotted. I think I may have got some water in the crown on the last watering and that combined with the lower temperatures due to the change in seasons lead to rot setting in.
I was surprised since this was one of my indoor Phals and those that I summer outside are getting hit with low 50s (Fahrenheit) at night and are still fine. Cold tolerance seems to vary a lot by background. I have 3 Phals that I never had to bring in last winter: they stood up to lows into the low 40s and high 30s fine while another suffered severe cold damage once temps got below 50.
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