Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and their third-party debt collector, Receivables Management Partners , LLC, regarding improper billing, delayed claims submission, failure to communicate, and referral to collections while an active dispute was in progress. -- - COMPANY INFORMATION -- - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Debt Collector : Receivables Management Partners , LLC, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Reference : XXXX | Account : XXXX -- - DESCRIPTION OF THE PROBLEM -- - I am a patient of XXXX XXXX who received the following treatments in XXXX : XXXX. XXXX XXXX XX/XX/XXXX ( {$850.00} ) XXXX. XXXX XXXX, XXXX teeth, Quad XX/XX/XXXX & XX/XX/XXXX ( {$680.00} ) Total amount now in collections : {$1600.00} ISSUE XXXX : DELAYED AND IMPROPER INSURANCE CLAIM SUBMISSION XXXX XXXX submitted the insurance claim for my XX/XX/XXXX root canal to EmblemHealth incomplete. The corrected claim was not resubmitted until XX/XX/XXXX nearly 9 months after the procedure. By that time, my XXXX annual dental maximum of {$3000.00} had already been used by other legitimate claims. As a direct result of XXXX XXXX 's failure to submit a complete and timely claim, the insurance denied the corrected claim, and I was billed {$850.00} out of pocket. I did not receive the first bill for this procedure until XX/XX/XXXX over XXXX months after the date of service. I was never notified at any point in XXXX that the claim was incomplete, denied, or pending correction. Had I been informed, I could have intervened and resolved the issue before my benefits were exhausted. ISSUE XXXX : VERBAL ASSURANCE BEFORE XXXX PROCEDURES Before agreeing to the XXXX SRP procedures on XX/XX/XXXX and XX/XX/XXXX, I explicitly told XXXX XXXX 's XXXX that I would not proceed if there was any out-of-pocket cost to me. I was given a clear verbal assurance that my insurance would cover the procedures in full. Based solely on that assurance, I consented to treatment. I am now being billed {$680.00} for these procedures more than a year after they took place due to XXXX XXXX 's delayed and improper billing. ISSUE XXXX : COMPLETE FAILURE TO RESPOND TO MY DISPUTE I have made repeated good-faith attempts to resolve this matter directly with XXXX XXXX XXXX XXXX sent two formal written dispute emails to the XXXX XXXX were never answered. I called XXXX XXXX multiple times no callback was ever returned. I visited XXXX XXXX in person to resolve the matter I was turned away with the excuse that XXXX was busy with other customers despite my coming specifically to resolve a billing dispute.. Despite these repeated attempts, XXXX XXXX referred my account to a third-party debt collector ( Receivables Management Partners , LLC ) without ever responding to my dispute. Referring a disputed account to collections without resolving or acknowledging the dispute is an unfair and deceptive practice. ISSUE XXXX : RISK TO CREDIT RECORD I am deeply concerned that this collection referral may result in negative marks on my credit report, despite the fact that the underlying charges are disputed and stem entirely from XXXX XXXX 's administrative errors and failure to communicate. -- - WHAT I WANT THE COMPANY TO DO -- - XXXX. Waive or significantly reduce the {$1600.00} balance in recognition of XXXX XXXX 's billing errors, delayed claim submission, and verbal assurance given before the XXXX procedures. XXXX. Immediately recall the account from Receivables Management Partners , LLC, and cease all collection activity. XXXX. Confirm in writing that no negative information has been or will be reported to any credit bureau ( Equifax, Experian, TransUnion ) in connection with this account. XXXX. Provide a written response acknowledging the billing errors described above. I have attached supporting documentation including my prior dispute email to XXXX XXXX and the collection notice from Receivables Management Partners , LLC. I have attempted to resolve this matter directly and in good faith on multiple occasions. I am filing this complaint because I have been given no other option. Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Email : XXXX Insurance Provider : XXXX

Company response to consumer: Closed with explanation