Merchants' Credit Guide Company

2018-01-13

Lisle, IL

Threatened to contact someone or share information improperly

Debt collection: Medical debt

Talked to a third-party about your debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-01-11

Palos Park, IL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
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

Timely Response

2018-01-10

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: The debt was paid long ago through collection.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-02

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

2017-12-26

Oswego, IL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2017-12-22

Oldenburg, IN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
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

Timely Response

2017-12-20

Locust Grove, GA

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

2017-12-17

Broadview, 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

2017-12-17

Broadview, 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

2017-12-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Broadview, 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

2017-12-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-12-17

Broadview, 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

2017-11-12

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: strange and unfamiliar account pops up on my report. I wrote both the credit buraus and the collection agency about it and they both sent me the same computer generated information which only shows my address matched to these false accounts. I have written them again and requested a real debt validation and not some e-oscar varification print out. Have n't heard back from neither.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-11-10

Folsom, CA

Communication tactics

Debt collection: Medical debt

Called before 8am or after 9pm
Complaint: Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2017-11-08

Burr Ridge, 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

2017-11-02

KY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-23

Lakewood Village, TX

Communication tactics

Debt collection: Medical debt

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

Timely Response

2017-10-12

Superstition Mtn, AZ

Took or threatened to take negative or legal action

Debt collection: Private student loan debt

Threatened or suggested your credit would be damaged
Complaint: XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

Lewisville, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas. I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it. On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas. My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them? 2. Where is the proper validation reflecting the correct amount? 2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-06

Sherman Oaks, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
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

Timely Response

2017-09-26

Addison, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response