ComplaintsforMerchants Credit, LLC

• Initial Complaint

  05/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

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

  Business response

  05/28/2024

  We do not have an account here for *************************** or anything that matches her name or address. We also do not do collections for this provider.  

  She probably has our company confused with another  company of the same name and this happens from time to time. There is another Merchants Credit Guide in ******* **. We are in ***************** and we are Merchants Credit LLC. So I'm pretty sure they are the ones that she is making the complaint about.

  Their information is:  Merchants Credit Guide Co.     ************************************************************;  Phone # ************

  Please kindly remove this from our company's information as it is not us.

• Initial Complaint

  02/04/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ********** Co Ambulance, I do not have a contract with Merchant Credit LLC, They did not provide me with the original contract as requested.

  Business response

  02/04/2024

  This is a Williamson County Ambulance bill from 9/28/17 from a moving vehicle accident that **************** was in and he was picked up by ********** Co Ambulance. We are the authorized collection agency for Williamson County Ambulance. *************** legitimately owes the debt and he has been previously notified in writing by ********** Co Ambulance and Merchants Credit on several occasions regarding the debt.  In addition we spoke to *************** on the telephone 11/27/21 regarding the debt which *************** did not dispute at that time and he merely told us he was not able to set up payments at that time for the debt. It is a legitimately owed debt to ********** Co Amubulance for services rendered. The debt and credit bureau stands as reported.

• Initial Complaint

  07/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Unresolved

  More info

  I am writing to file a formal complaint against Merchants Credit Guide for what I believe are violations of the Fair Debt Collection Practices Act (FDCPA). The company has continually harassed me via phone(***** from the West Frankfurt branch), insisted on the legitimacy of a debt I have not validated, and disclosed details about the alleged debt without first verifying my identity. Under Section 806 of the FDCPA, harassment by debt collectors is explicitly prohibited. Furthermore, as per Section 809 of the FDCPA, I have the right to request and receive debt validation. Despite my efforts to exercise this right, the company has not provided this validation and continues to insist on the debt's validity. Moreover, disclosing information about the supposed debt without adequately verifying my identity is a potential violation of the FDCPA's provisions concerning privacy. I kindly request the BBB to investigate these potential violations and take appropriate action. Attached are relevant documents and any additional evidence supporting my claim. I am ready to cooperate fully with any inquiries or proceedings related to this matter. Thank you for your immediate attention to this matter. I trust that the BBB will handle this situation with the thoroughness and integrity it requires.

  Business response

  07/09/2023

  We would need to have a date that ***** from our company actually talked to this debtor because we have no record of ever actually talking to this person on the phone so we would need more information of when he actually talked to *****. Also which account is he actually talking about because he has several here that we have never been able to get ahold of him. He also should realize that he has 30 days after receiving notice that his account is in collections to request a validation of the debt which we have also never received from him or ever heard anything from this person. So without a more specific time of when he actually had an phone conversation with someone from our office we have no recording or note of ever talking to him or ever getting a request for a validation of his debts and which debt he is specifically talking about. We need more information and facts.

  Customer response

  07/10/2023

  The date was Saturday July 8,2023. And the calls that particular day were at 4:14,4:15. I haven’t been provide any thing related to account in question in regards to the account number. However i do know the West Frankfurt number has been calling for months repeatedly. And on July the lady who answered provided details about the account in question without actually confirming my identity. She did say that the debt was sold to them by ********** ******** ********. But as far as the account number, any other information about said account I have no knowledge. 

  Business response

  07/14/2023

  I do see that we called on 7/8/23 the phone # on the account that ends in -**** and we have called that phone # several times to try to reach ***** ******* but the person who answered said he did not know ***** and and that we had the wrong phone number. In fact we have not talked to anyone at that phone number that has identified themselves as ***** so therefore we have not discussed anything with the person who answered at that phone number and after being told 7/8 that it was the wrong phone number and that they did not know him we took that phone number out.  Our records indicate that we have never talked to the person ***** *******. And we do  not discuss anything with just random people until they identify themselves as the person that we are asking for. So I did not discuss anything with a random person that would not identify themselves as the person I was trying to reach and further we do not buy any debt so that statement you are making is totally false. I am the owner and collection manager. All calls are recorded and I have reviewed the phone call and nothing you are claiming is what the recording has on it. Plus I am the one that personally called that phone number and was told you did not know ***** so the phone number was removed. I'm assuming the reason you know what this call was regarding is because y you have looked at your credit because on the phone call it was never stated why I was calling because to  my knowledge I was told it was not ***** on the phone. If you would like to call our office to discuss your debt than our phone number is ###-###-####. Thank you.

  ***** **
  

  Customer response

  07/14/2023

  Complaint: ********
  
  I am rejecting this response because:
  
  I have yet to receive written confirmation of said debt. In addition the screenshots that were provided by the company are actually the same screenshots that I initially uploaded. At this point they aren't saying anything pertaining to this case. Please re-read their response so that we can move forward with this case. 
  
  Sincerely,
  
  ***** *******

  Business response

  07/19/2023

  He is lying because I sent him a screenshot showing that we called at the only phone number he gave the client, we called and the person said we have the wrong number.  I have a screenshot of this.  All of this is made up.

• Initial Complaint

  11/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have 8 charges on one of my 3 credit scores. They are held buy this company with a starting date of 2 years ago. It says they are from *** ****** ****. However, I have not been to an *** doctor in a minimum of 10 years. They have never contacted me and all 8 are $40 or less, adding up to $258. It may be small but it continues to effect my credit negatively. My question is, If I owe this amount, why have I never been contacted in any way by this company. I do not trust this and want original records of proof. I absolutely have not been to an *** office in 10 years. I don’t trust that medical group due to terrible treatment and being prescribed heavy doses of medication that was detrimental to my health. I am actually seeking representation for this treatment because it caused permanent memory loss and minor seizures. I never was contacted by any collector for this list of bills in the 10 years since so I hope it’s understandable why I’m skeptical.

  Business response

  11/17/2022

  These accounts were placed April thru July of 2020 in our office from *** ******* ****** There were numerous visits for the same chronic issue including a therapy evaluation and a surgery so this person definitely should be able to remember all the visits related to this issue that resulted in a surgery.  As far as not having contact with us that is not correct. We show over 25 phone calls made to the phone # that he still currently has along with 9 letters sent to the address he was residing at that time. We did finally get him on the phone one time and discussed these with him and he told us he was not able to do anything towards payment at that time.   Therefore this patient was aware of his numerous visits seeking care for the same issue and his surgery I would guess and he acknowledged the bills in the phonecall to him 5/26/21 where he told us he could not pay at that time.

• Initial Complaint

  08/04/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I do have out standing debt and this agency contacted another family member without permission and gave my balance information about my debt and asked if this person wanted to be set up on payments. I thought it was against the law for a debt collection company to call and give personal information about my to someone else without my knowledge. I feel that is a huge violation of my rights.

  Business response

  08/05/2022

  It would be helpful to know the exact date this happened since she has had ** accounts here over the last 16 years so to pinpoint which account is she talking about and what date did this happen would be beneficial. In reviewing the notes without knowing this information I can however see that we have spoken to ******** numerous times on her accounts over the years but with no resolution to the debts. The only other contact that I see that we have had is with her husband ***** on 8/4/22 in which we just asked if they wanted to set some payment arrangements up on their medical debt which in the State of ******** is marital debt so it is allowable to talk to the spouse about payment arrangements. I have reviewed the phone call which occurred at 11:14 am. 8/4/22 and no specifics about what the bills were for etc were given out but only a request for payment made and her husband said he would have her call us back which she did.  According to guidelines in a marital debt we are allowed to speak with both spouses.  This was the only contact with the spouse and she called right back to make arrangements and never said anything about speaking with her spouse.

  Customer response

  08/05/2022

  Complaint: ********
  
  I did look up and see you can speak to a spouse but I’m requesting in writing that you do not contact any family members and to cease calling.  I will pay directly under *** my chart.  
  
  
  
  Sincerely,
  
  ******** ****

  Business response

  08/05/2022

  Ok that is fine, I will note your account to reflect that. 

   

   

*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. ↩