Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: WI

Complaint narrative:
On XX/XX/year>, I received a debt collection email from Balanced Healthcare Receivables ( BHR ) regarding an alleged debt of {$1100.00} owed to XXXX XXXX XXXX XXXX XXXX for a date of service of XX/XX/year>. XXXX significant issues have been documented regarding this collection effort : ISSUE XXXX : MISLEADING HYPERLINK IN THE COLLECTION NOTICE BHR 's collection notice states that disputes can be submitted electronically at " XXXX '' ( plural ). However, the mailto hyperlink embedded behind that displayed text routes to " XXXX '' ( singular ) a different email address. I have verified this discrepancy on both XXXX and XXXX email clients. Screenshots are attached. On XX/XX/year> at XXXX PM XXXX XXXX, I clicked the hyperlink in the notice as directed and submitted a formal dispute. Because the hyperlink routes to a different address than displayed, my dispute was sent to the singular address rather than the publicly advertised plural address. A consumer who follows the notice 's instructions does not reach the publicly advertised dispute inbox. This raises concerns under 15 USC 1692e regarding false, deceptive, or misleading representations in collection communications. After discovering the discrepancy, I sent a second dispute on XX/XX/year> directly to the publicly advertised address, and forwarded my original XX/XX/XXXX submission to the same address to preserve the original timestamp. ISSUE XXXX : COLLECTION CONTACTS AFTER WRITTEN DISPUTE After my initial written dispute was submitted on XX/XX/year> at XXXX PM Central Time, BHR sent XXXX collection SMS contacts to me on XX/XX/year>, from short code XXXX : - XXXX XXXX Central Time : SMS directing me to call XXXX to resolve the account - XXXX XXXX Central Time : SMS directing me to call XXXX and providing payment links Both contacts occurred more than XXXX hours after my written dispute was submitted. Under 15 USC 1692g ( b ), collection activities must cease upon receipt of a written dispute until validation is provided. Additionally, the XXXX XXXX SMS was sent before XXXX XXXX in my local time zone ( Central Time, XXXX, Wisconsin ), which raises a separate concern under XXXX XXXX XXXX ( a ) ( XXXX ) regarding collection contacts at inconvenient times. ISSUE XXXX : ACCOUNT PLACED FOR COLLECTION DURING AN ACTIVE DISPUTE WITH THE ORIGINAL CREDITOR On XX/XX/year>, prior to my dispute submission to XXXX, I had XXXX recorded telephone conversations with representatives of XXXX XXXX XXXX XXXX XXXX, including a supervisor named XXXX. Both representatives confirmed on the recorded calls that : - A coding dispute on this bill was logged in their system following a prior call I made in XX/XX/year>- The dispute was escalated to their coding team and to higher management in XX/XX/year>- The coding team completed an internal review, but no outcome was ever communicated to me- The account was placed with BHR during this active internal review process The underlying coding dispute concerns a discrepancy between the physician group 's billing ( XXXX XXXX, XXXX XXXX XXXX ) and the hospital 's billing for the same encounter ( CPT XXXX, XXXX XXXX XXXX ). I requested documentation supporting the higher level of service in XX/XX/year> and never received a response. The supervisor confirmed on the recorded call that EMA has no process to notify patients of dispute outcomes ; the only outbound communications are statements and collection placements. I have preserved all evidence including the original collection notice with the hyperlink discrepancy visible on multiple devices, the SMS messages, my dispute submissions, and the recorded calls with the original creditor.

Company response to consumer: Closed with explanation