Merchants' Credit Guide Company

2018-06-11

Chicago, 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

Timely Response

2018-06-11

Chicago, 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

Timely Response

2018-05-23

Hanceville, AL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Complaint: Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-05-05

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2018-04-26

Hillside, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-04-25

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-04-24

KY

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I never received any notice or anything in mail on this from Merchants credit guide
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-04-20

Chicago, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-04-16

Chicago, IL

Incorrect information on your report

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

Account information incorrect
Complaint: Merchant Credit Guide is attempting to collect on a medical bill that the hospital did not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-03-23

IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-03-23

Hinsdale, IL

Incorrect information on your report

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

Account status incorrect
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-03-20

Grand View, ID

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. Thank you for reviewing this matter.
Company Response: Company can't verify or dispute the facts in the complaint Closed with non-monetary relief

Timely Response

2018-03-16

Northdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-15

Antioch, CA

Incorrect information on your report

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

Account information incorrect
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-03-12

Hillside, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-09

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I spoke with the hospital billing department concerning this 4 year old bill. They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-03-06

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-01

IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-01

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-02-23

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-22

E Town, KY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-02-09

Bolingbrook, IL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2018-02-04

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-03

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-02-03

Palos Park, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response