HEAD MERCANTILE CO., INC.

2019-12-04

Tampa, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2019-11-26

Green Acres, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-11-23

Green Acres, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-11-19

Brooklyn, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-11-10

Boys Ranch, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-20

AK

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-21

Centerton, OH

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: My son was taken to the hospital by his mother XX/XX/XXXX of XXXX. At that time my son was also covered under his mothers health insurance. A bill was sent out under my name ( XXXX XXXX ) mistakenly instead of his mothers ( XXXX XXXX XXXX ) on behalf of XXXX XXXX Medical Centers mistake. This has not been their first mistake before. My sons mother was XXXX from XX/XX/XXXX through XX/XX/XXXX. Every medical bill was sent in his mothers name entirely always until he was placed in my custody XX/XX/XXXX and was placed under my medical insurance. XXXX medical center mistakenly put my name on the bill and was sent to collections and I was not aware until it hit my credit report and seen this beginning of XXXX. I filed 3 disputes to 3 credit bureaus whoa re investigating it. I reached out to XXXX medical center of XXXX Ohio and said they would transfer the bill into my sons mother name but can not do so now that the bill was sent to collection. So now here I am almost a 800 credit score never missed a payment in my life and fighting to a bill that was not mine, if it was I would have taken care of it. XXXX Billing department told me that whoever brings in the child is billed, they told me my sons mothers name was on file who brought him in and should have been billed on. I came shortly later and payed the emergency room bill to help provide for my son. So my credit score takes a 100 point deduct and Im left to bare of that why? I find this very wrong and I dont care for the bill I will take care of it if I have to but I want my credit report and score fixed. I should not have been held accountable. Someone please help me?
Company Response: Closed with explanation

Timely Response

2019-08-20

Cleveland, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-28

Seneca, SC

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: Between XXXX and XXXX of 2018, I received a call from another XXXX XXXX located in Utah stating he was getting collection calls and mail for me regarding a medical debt. Somehow, this person was given my work direct line which was likely provided by the collection agent, and called me directly at work to notify me of the collection. I hadn't received ANY mail from this entity, so this was the first I'd heard of HMC group. I contracted HMC group directly and advised them that we'd actually spoken to the hospital and our insurance provider directly, and our insurance told us this should've been covered and no balance remaining, so we put our insurance into contact with the hospital in Ohio. We didn't think anything of it as we thought it was handled. I explained all this to the collection representative. At which point, a manager ( male ) took over the call, and asked how I wanted to resolve it. I explained the situation again to him and advised him I've received NO mail from them and asked them for validation of debt as I believed this was handled by our insurance provider. He ignored my request and continued to forcefully ask how I wanted to resolve. I told him I'm not doing anything until I receive mail from them and asked them why they were intentionally contacting the WRONG person when they likely already had my contact information. He got defensive and said if I'm not paying it will continue to damage my credit. Note I track my credit on XXXX XXXX and hadn't seen any medical debt notices, so I advised him it's not on my credit ( turns out XXXX doesn't report to XXXX XXXX, which is why I didn't see it ). He said he was going to personally 'make sure ' it's reported to my credit bureau then and then he hung up on me. So, in short, they're guilty of the following : - intentionally calling the wrong XXXX XXXX on the west coast in Utah and mailing my personal information to this other person, and providing my work direct line for this other XXXX to call me at work. - threatening and following through on actually reporting the debt to be CBR without providing any mail to me, or validation of debt which I requested.
Company Response: Closed with explanation

Timely Response

2018-09-06

Centerton, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX district of Michigan. It should not be on my credit report.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Untimely Response

2018-08-24

Bronson, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2018-06-26

MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: The services received from the original creditor we're covered under medical insurance for mental health with a {$0.00} copay medical insurance was billed and then I received bills from collections agency saying I owed money when I didn't see anything because the services were covered
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-04-26

Cleveland, OH

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2018-04-25

Euclid, OH

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: XXXX dollars reported owed to company
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-03-07

Alliance, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-03-05

Birch Run, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Back in XXXX i was involved in a motorcycle accident. I did have insurance which paid my medical, however several items were not paid due to incorrect coding. As a result they went into collection. They were all for XXXX XXXX XXXX in XXXX Ohio. When they were sent for collection they went to an attorney, They were marked individual but when they were paid it was one lump sum. which we paid to the attorney. I should add that it had gone to court. Because we had moved we never got a notice so there was a judgement, which was paid in full..I have a notice from the court and the attorney that shows it was paid. This was back in XXXX of XXXX. All of a sudden in XXXX of XXXX one of the amounts owing shows up on my credit report {$560.00}. I called HMC which ids the collection agency that now has it and explained to them that it was paid. They disagreed so I filed a dispute with experian.I informed them that I had even contacted alliance hospital which she had trouble locating the debt since the XXXX had turned it over 4 years ago. But she showed no such amount owing. I contacted the attroney 's office who handled this. When this debt was paid the credit bureau was not notified. Since the amount paid did not match any invoice ( as I said, there were 5 different invoices that equaled XXXX which I am sure includes interest ) The hospital said the account was closed. Somehow XXXX of the invoices from this group that amounted to XXXX which is listed on the invoices that were paid. It somehow was shuffled off ( I get the feeling that the hospital was not notified in a timely manner, therefore may have been passed on to someone else for collection. Which I found out had indeed been passed on. Several times over the years. This HMC however decided that after 4 years they would list the debt as owing and all but destroyed my credit. I have asked them to show proof as I did with with XXXX. I faxed XXXX the court document and letter from the attorney that it was paid. All they did was send dispute results back stating that it will remain on my report. Nothing from the hospital, nothing to back up their decision other than what they said. This is horrible, how do these people get away with this. The hospital didn't even know who HMC was as when the original debt was placed in collection, it was through an attorney. Don't they have anything better do do than to ruin the lives of honest hardworking people who are trying to get by. It's a wonder that so many people do things under the wire..trying to do them right is quite obvious to no avail. I have the receipts and court documents showing this was paid. It is actually a few dollars more with the added interest. I have absolutely no confidence or trust in our credit reporting agencies. The seem to have carte blanc in what and how they do things. All I want is for this XXXX that they claim is owing taken off my report. An apology from experian I'm sure is a pipe dream but worth mentioning. I do hope that the CFPB can help get this resolved. Respectfully, XXXX XXXX
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-11-14

Canton, OH

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Company Response: Closed with explanation

Timely Response

2017-04-09

Centerton, OH

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Multiple debt on medical bills the debt collector can not tell me dates or service or for whom
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-09

Centerton, OH

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-01

OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: Please review the attached XXXX XXXX, 2015, letter sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Virginia XXXX - XXXX RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Account Number : XXXX Referred by : Office of the Ohio Attorney General In response to my above complaint, I have received a letter dated XXXX XXXX, 2015, from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case XXXX XXXX, stating they are in process of reviewing my complaint, and that it may take up to 60 days to complete. On XXXX XXXX, 2015, I sent an inquiry to them regarding my claim, and have not heard back, as of yet. Until this issue is resolved, please remove this inaccurate information placed on my credit file, because it is incorrect information reported. The XXXX XXXX XXXX XXXX and its malfeasance against me as a consumer have been duly noted.
Company Response: Closed with explanation

Disputed: No Untimely Response

2015-04-22

OH

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-20

Zachary, LA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Untimely Response

2014-11-23

Fort Myers, FL

Disclosure verification of debt

Debt collection: Medical

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2014-07-22

Cuyahoga Falls, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2014-01-03

Lena, OH

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response