Merchants' Credit Guide Company
Consumer Complaints
There are over 236 complaints on file for Merchants' Credit Guide Company. Dated between 2019-12-05 and 2013-07-30.
Complaints Page 2
2019-08-07
Palos Park, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: My records associated with the account MERCHANTS CREDIT GUIDE do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to MERCHANTS CREDIT GUIDE but I did not receive what I asked and these violations persist on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-06
Itasca, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-08-02
Sanders, KY
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-24
Hinsdale, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: The collection merchants credit guide should be closed it is under bankruptcy.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief
2019-07-23
Bedford, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX.
XXXX ( Tracking # XXXX ) and XXXX ( tracking # XXXX ) also failed to provide me with proof of alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-07-13
Lewisville, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-25
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 believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-16
MO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief
2019-06-12
Mount Holly, OH
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: This says it's a medical debt for XXXX. I tried calling the phone number provided but it only rings and no one answers.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-06-06
Bedford, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: Merchants credit guide claim amounts are {$500.00} and XXXX Medical coverage was paid by private insurance coverage and balance owed is incorrect due to insurance deductible and hospital overcharged for services rendered
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-06
Chicago, IL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I wrote a letter to Merchants Credit Guide to verify the account. They are reporting to all credit bureaus ( XXXX, XXXX & XXXX ) what is not verified and based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) it needs to be verified.
On XX/XX/2018, I wrote a second letter to validate my request and provide me a copy of all original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA they are required to delete all unverified information. After two certified and mail returned receipt letters they still are not complying with my request.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2019-05-23
Hinsdale, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Requested validation of debt sometime in XX/XX/2019, received a response on XX/XX/2019. The response was only a print out of services and included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-21
Chicago, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2019-05-15
Douglas, MI
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation
2019-05-10
MO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so.
This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well.
My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief
2019-05-09
Elmwood Park, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I greatly apologize but I do not recall ever seeing this doctor. Nor receiving any medical treatment from him. I do not recognize the payment being ask for nor what constitutes a {$300.00} bill.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief
2019-04-30
Toledo, OH
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief
2019-04-25
Chicago, IL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief
2019-04-18
IL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I requested a valid debt validation letter several times. i was written by mail and notified if they couldnt receive info in a timely manner the account will be closed and returned to original creditor
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-17
Enterprise, AL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief
2019-04-15
Broadview, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-09
IL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I noticed that I had a debt collection from Merchants Credit Guide. The original debt was with XXXX XXXX XXXX. I contacted XXXX they had the wrong address and phone number for me. I never received a bill. The Hospital stated that they would get the debt back from Merchants. I was contacted by XXXX on XX/XX/19 and was told that they had gotten the debt back from Merchants, I paid the bill on that day. On XX/XX/19 it is still on my credit report and Merchants stated that they did not receive any information from XXXX. XXXX stated they sent the information to Merchants.
Company Response: Closed with non-monetary relief
2019-02-28
MI
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I visited the XXXX XXXX XXXX on XX/XX/XXXX. The cost was {$220.00} which was paid by my insurance on XX/XX/XXXX. On XX/XX/XXXX this amount was moved to collections at Merchants Credit Guide. I had no idea any of this had even happened until XX/XX/XXXX when I applied for a credit card and was told I had something in collections. I called my insurance which said that they should've paid it and I never should have been billed in the first place. I called the XXXX XXXX XXXX and they said they had mailed me the bill over and over, but they had been sending it to the wrong address. After the due date was passed it was sent to collections.
I logged into my insurance account online to see if I could find the original date of the doctor 's appointment that had started all of this. I saw that they had paid the bill just one month after my appointment.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief
2019-02-10
Arlington, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company disputes the facts presented in the complaint Closed with explanation
2019-01-29
Reidsville, NC
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation