Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I honestly dont get why ************ is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 5843 Amount Disputed: $4079

  

  Business Response

  Date: 04/03/2025

  The itemized statement was sent again on 3-26-25.  This shows the charges that were incurred and not paid for.  The office has the right to be paid and the individual signed this, prior to the office seeing the individual.  It is in the office paperwork.  *** does not need a specific contract with the patient, as it is within the office's rights to assign the account to ********************.  We are happy to resolved this.  Please contact us at ************ for the payment of this account, to satisfy it. The office also has the right to pursue this by filing suit.  Currently, this is being submitted to collections, to avoid that step.  Thanks.

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with National Healthcare Collection. I have no contractual agreement with the collection agency attempting to collect this debt. Additionally, they have failed to provide the original contract as requested.

  

  Business Response

  Date: 03/11/2025

  This account is from ***** Chiropractic.  The Agreement the individual has is with them.  NHC is the collections firm that they have the right to send this account to,if left unpaid.  This account was sent to Legal.  ****** Law Firm filed suit.  This was being paid, but stopped.  We show an existing open balance on this account.  We are reaching out to ****** Law Firm now, to make sure that the balance NHC shows is the accurate open balance.  We will follow up with Mr. ******** afterwards, with the contact information that he provided.

• Initial Complaint

  Date:02/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract ************ plus they did not provide me with the original application like I asked.Account No: 5843 Amount Disputed: $4079

  

  Business Response

  Date: 02/14/2025

  This debt is from a legitimate charge from ******** Family Chiropractic.  The Client has contracted NHC, as a collections firm, within their right, to collect on unpaid balances.  The debtor does not need to contract directly with us, nor would they.  The client is owed over $4000 dollars and seeks payment for their healthcare services that were provided.  If there are questions, ******** can be contacted directly regarding why their is a balance.  The balance was clearly billed through many statements, that were dismissed.

• Initial Complaint

  Date:11/07/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company failed to provide me with contract that was charged. Contacted health provider that they said filed collections and they told me not to pay this agency. No outstanding claims on file and they are located in a state I have not lived in for 7 years. Date they said I was at office I was out of the country. This is scam and I am not paying for something that I have not received.

  

  Business Response

  Date: 11/11/2024

  The healthcare provider has a contract signed with *** for delinquent accounts.  Within this, they are required to back up all charges sent to *** for collections.  This history has been sent to the patient, with the charge date on the date that is claimed for him to be out of the country.  We currently have submitted this to our client.  This is not a scam.  We will await a response from our client as to any bookkeeping error on their behalf.  

  Customer Answer

  Date: 11/11/2024

  Complaint: 22528021
  
  I have reviewed the business' response and am rejecting it because:
  
  No paperwork has been sent to me about this charge. I will need proof of this charge because as sent to you I was on a flight to ****** ****** on the 13 of march and could not have been at an appointment. I have talked with the clients billing and they have no record of a claim against me and no history of any claim with national healthcare collections in my name. They also advised me not to pay this claim. 
  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 11/13/2024

  This account has been canceled on our behalf, for the time being.  The charge sheet, from the client was sent to this individual, based on the alleged debt on their system.  We don't manufacture charges or make up folks that visit our client's offices.  This was sent to *** for delinquent collections service.  It is a real charge, a real debt, and real patient information.  I don't need to respond about a flight in ****** or what the office supposedly is saying about a "scam".  We have an actual contract and the information (which the individual is aware of our client) came from this client.  We cancel accounts like this as I am confident that this is someone that will never pay and this is the approach.  However, this debt came directly as a verified charge from our client, with a signed agreement stating this.  The account is canceled.  No more responses to these claims will be provided.  We are done.

  Customer Answer

  Date: 11/14/2024

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:09/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with NATIONAL HEALTHCARE *** I do not have a contract with NATIONAL HEALTHCARE *** They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 09/30/2024

  THE CUSTOMER HAS FILED A DISPUTE OF THIS BALANCE. VALIDATION OF THIS DEBT WILL BE SENT TO THE CUSTOMER IN A TIMELY MANNER.

   

• Initial Complaint

  Date:09/15/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm not liable for this debt with national Healthcare collections I do not have a contract with national Healthcare collections they did not provide me with the original contract as requested

  

  Business Response

  Date: 09/30/2024

  THE CUSTOMER HAS FILED A DISPUTE OF THIS BALANCE AND THE DISPUTE IS IN PROCESS. THEY WILL RECEIVE PROOF OF THIS DEBT IN A TIMELY MATTER.

  WE DO NOT HAVE TO ENTER INTO A CONTACT WITH THE CUSTOMER AS WE HAVE NOT PURCHASED THIS DEBT. 

• Initial Complaint

  Date:06/24/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The collection agency cashed in a check with a written contract on back of check stating "Account paid in full under accord and satisfaction. You agree to remove all late payments history from your records and credit reports." ********** only performed half of the contract and made a false claim on my credit report now damaging my credit.

  

  Business Response

  Date: 06/25/2024

  There have been no payments made on this account and no checks cashed. The debtor has disputed this balance several times and we have mailed the required verification each time. The balance is accurate as reported. Again, no payments have been made and we have cashed no checks, nor do we have anything that would put information on a check stating the balance as paid in full, or the ability to remove late payments as we do not even report late payments. I believe this complaint was made by mistake since it does not make sense with the information we have on the account.  We are happy to work with the debtor on arrangements for the balance in collections. 

• Initial Complaint

  Date:05/15/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I hope this message finds you well. I am writing to file a formal complaint against National Healthcare Collections regarding their handling of my account and personal information. During my recent interaction with National Healthcare Collections, specifically with a woman named **** who identified herself as the operations manager, I experienced a concerning lack of professionalism and empathy. Despite explaining my situation, I was met with resistance and a refusal to address my concerns.The reason for my contacting National Healthcare Collections was due to their wrongful holding of an account with my personal information. As a trafficking survivor, any transfer of my information to a third party without my consent jeopardizes my safety, which is of utmost concern given my participation in a safety program that is supposed to safeguard my personal information.I had already ensured that I had paid any balance owed after my appointments, and I had previously requested a review of my account from the doctor's ******* which was never done. My main grievances are as follows:1. Violation of Consumer Codes: My information should not have been sent to a non-affiliated third-party collection agency without my consent, as I did not contract with National Healthcare Collections. Therefore, I do not owe them any money.2. Identity Theft Concerns: Having my information without my permission and falsely claiming I owe them a balance constitutes a form of identity theft.In addition, this action may be in violation of the Trafficking Victims Protection Act (TVPA) of 2000 and the following sections of the United States Code: 15 U.S. Code 6801, 6802, and 6803, which protect survivors of trafficking from such exploitation.I request that all my information be promptly and completely removed from National Healthcare Collections' system within 24 I also request to be updated immediately once this action is completed. Again I've already paid the balance with the Dr's.

  

  Business Response

  Date: 05/17/2024

  We have canceled this account, pending a review with the original doctors office that submitted this for collection. ****************************** refused to identify herself for the majority of the call, therefor we were not able to update any information on the account or discuss this with her until she confirmed her identity. This is a compliancy issue and something we cannot and will not ignore. We cannot, on any account, ******************** or otherwise, discuss details of the account with anyone until they identify themselves as the debtor and responsible party. Once this was given, her information was updated and we have reached out to the office. She stated several times that she was a trafficking survivor, we have noted this, but there is no way for us to know this and to not allow any business to send her to collections. That is something that she will have to disclose to any business that she works with that she plans to not pay a balance as they will send to a collection agency, and that agency does not search for Trafficking survivors. That is to be taken up with the business assigning her balance to collections. This balance has been canceled in our office, pending out investigation into the matter with the creditor. 

  Customer Answer

  Date: 05/28/2024

  I hope this message finds you well. I am writing to provide additional details and address the response received from National Healthcare Collections regarding my previous complaint. My name is *****************************************, and I am a resident of *********, *********. My contact number is **************, and my address is ***********************************************

  
  

  I initially contacted National Healthcare Collections to inform them that my information should never have been transferred to them, as this was a safety concern for my family and myself. Unfortunately, ****, who identified herself as the operations manager, showed no empathy, sympathy, or willingness to understand the situation. Instead, she chose to be rude and demeaning.

  
  

  In their response, the company stated that I refused to provide information. I want to clarify that I explained the reason for my initial hesitation. As a trafficking survivor, the mishandling of my information puts me and my family at great risk. Instead of being empathetic and understanding, the company chose to respond rudely.

  
  

  After the initial call, I did call back and provided all my information to a young lady on the phone. This call was recorded. However, the company's response purposefully left out the fact that I called back and provided all my information. This omission is concerning and misleading.

  
  

  Given how the company handled my situation, I escalated this matter to ******, a particular individual within the government, to highlight the mishandling of my information as a trafficking survivor. National Healthcare Collections should not have had my information in the first place. Their actions have compromised my security, and they have shown arrogance and ignorance in handling my situation.

  
  

  I have documented my situation, including court documents and documents on Homeland Security. National Healthcare Collections has my personal information without my permission. I did not contract with them, nor do I have any business with them. My initial contact was to inform them that they should not have my information and to request its immediate removal.

  
  

  Furthermore, I want to emphasize that I never received any notification that my information had been transferred to a third-party collection agency or that it was being considered for such a transfer. This lack of notification is a violation of my rights under U.S. Code 15 6801, 6802, and 6803, which govern the protection of consumer information. Additionally, the Trafficking Victims Protection Act (TVPA) of 2000 provides protections and services for trafficking survivors, and the mishandling of my information violates the principles of this act.

  
  

  The company's handling of this situation was not only incorrect but also deeply disturbing. I am requesting that all my personal information be removed from their systems within twenty-four to forty-eight business hours. I expect to be updated immediately once this is done. Failure to comply will result in me pursuing legal action.

  
  

  Please note that I was away on training and did not receive this message from the company until yesterday. I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my personal information.

  
  

  Sincerely,

  
  

  *****************************************

  
  

  
  

  

  Business Response

  Date: 05/28/2024

  This matter has been addressed and her account has been closed. The original creditor did call us after the fact and apologize for sending the account as they agreed that it never should have been sent to collections. This matter is closed and is no longer in collections. 

• Initial Complaint

  Date:03/25/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this **** with charter communications, I do not have contract with NTL HEALTHCO, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 03/25/2024

  I am sorry but we do not have a contract to pursue collections for ******* Communications. I believe this complaint was made in error. The attachment provided to us was generic and had no details of the account you believe we have in collections. We do have several collections accounts matching this name, none for ******* Communications, but we are unable to identify if any belong to this individual without more information. 

  Thank you.

• Initial Complaint

  Date:03/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I looked at my credit report last month and noticed this error and have disputed with the company for validity, never received anything. They are continuing to report negative things on my credit and I have no knowledge of them and they refuse to respond or remove the account. I have not supplied proof under the doctrine of estoppel by silence, ********** v ******* (Mo) 282 SW 715 719. **** presume that no proof of alleged debt, nor therefore and such debt actually exists.

  

  Business Response

  Date: 03/20/2024

  We do have an account for ****************** and have had since 2020. This has been on his credit report since 2021. This is one of several times he has reported this to multiple agencies.  We, as well as the original office have gone above and beyond to validate this debt. This is a valid balance, we have sent proof of debt multiple times and he is now harassing our agency to try to get out of paying a debt that he owes. This is the 4th such complaint/dispute this week alone. He disputed this balance in September of 2020 and verification of debt as well as a copy of his drivers license were mailed within 8 days of the dispute. The first time we spoke he lied and said the date of birth was not his. Then later he confirmed his name, date of birth, address were all correct. Stated he had no plans to pay this balance. He disputed this again in June of 2021, we again sent verification. This balance has been credit reporting since March of 2021. He again disputed this on February 28th of 2023, this has been verified and information sent twice previously so it was not mailed a third time. While we did not mail a third time, we did check with the original creditor to make sure balance was still accurate, and then reported the balance was correct as reported. He disputed again in July 2023, we did not mail verification as it had already been done twice before. He disputed 8 more times between July and December 2023, and we again responded these as accurate. He also disputed again twice in February 2024. He then sent a Cease and Desist letter, does not want any calls or letters. We have abided by this. His information is accurate and will continue to be reported as such. We are happy to set up a payment arrangement with him if he would like, but we will not be reaching out to him, per his cease and desist request.

  Customer Answer

  Date: 03/26/2024

  Complaint: 21453809
  
  I am rejecting this response because:
  
  You claimed to have validated the account but per 15 USC 1681i, AGAIN, please verify the debt romper 15 usc 1681i(5) please delete it. If I gave you all of that information and you have validated before, why is it so hard to send a copy of ANY CONTACT OR CONTRACT, that states that I owe this debt. Please present it throughout this portal for proof as I have not seen it as of yet. Please provide a wet signatured contracted signed by myself, also something that shows I contracted any services with YOUR COMPANY, in any said way, also like I said before I DONT RECOGNIZE YOUR COMPANY AS TO EVER DOING ANY BUSINESS WITH. If you cant provide this information, as per FCRA statue 15 usc 1681i(5) please remove. This back and forth for more than 30 days feels like a violation of my rights. If you present this another month on my report I will be forced to initiate a violation invoice for $3,000 per violation which includes:

  Defamation of Character

  Violations of Fcra statues 15 Usc 1681i and 1681i(5)

  Violation of FDCPA 

  
  Sincerely,
  
  *************************

  

  Business Response

  Date: 03/26/2024

  We have not provided you with the additional information (such as "Wet Signatures") you requested because you have issued a cease and desist on any contact via mail or phone.  I will attach it all here. I am attaching a copy of your drivers license, copy of your SIGNED financial agreement. Copies of letters that the doctors office sent to you prior to being sent to collections, including a settlement offer. Copies of your sign in sheets that you signed when attending each of your appointments, as well as your itemized statement. As you can see from all of the documentation, you attended this facility and that balance is owed. We have attempted to collect this debt for several years.  As stated before, we are happy to set you up with a payment arrangement if you are unable to pay in full. We are not able to contact you to do so though, due to the cease and desist request. You do not have a contract with our company, nor do you need to. We did not purchase this debt, we are contracted by the office that you owe your balance to, to assist them in collecting balances that remain unpaid. You have now received any and all information required of us. 

  Customer Answer

  Date: 03/27/2024

  Complaint: 21453809
  
  I am rejecting this response because: I sent that notice in January. You have been reporting on my CRA since last year and asked for it then as well. As I said of before Im not familiar with this company also this is a violation of HIPPA. Can you please show me the contract you have with the company that says your eligible to pursue ANYTHING on their behalf. Also pursuant to Section 1681 declares my PRIVACY. Im not aware of who you are and you have access to my documents without my WRITTEN or VERBAL consent which constitutes grounds for Identity Theft. If not removed I will pursue statutory and punitive damages up to $3,000 per violation for grounds of 

  * Violation of FCRA statue 1681

  * Violation of FDCPA

  * Defamation 

   

  
  
  
  Sincerely,
  
  *************************