Merchants and Medical Credit Corporation, Inc.

2019-11-12

Hinsdale, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-10-12

MI

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: Hello I'm submit a complaint with Consumer Financial Protection Bureau about an account that's on my credit report with the credit bureau XXXX. The accounts named, M & M CREDIT ( XXXX XXXX XXXX XXXX XXXX ) presented since XX/XX/2015. I have disputed this account once before about the dates on this account being incorrect, also the balance and/or past due amount are/is incorrect. and credit score amount due {$6400.00}.
Company Response: Closed with explanation

Timely Response

2019-10-08

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This company was sent various certified letters requesting debt verification documentation & debt removal over 50 days ago. However, they havent responded to any of the letters and is continuously reporting inaccurate information to all 3 credit bureaus.
Company Response: Closed with explanation

Timely Response

2019-10-07

Gr, MI

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened to sue you for very old debt
Complaint: M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.
Company Response: Closed with explanation

Timely Response

2019-09-28

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XX/XX/2016 collection name is M & M credit XXXX XXXX XXXX XXXX, MI XXXX Amount : XXXX usd This Collection is an amount that I claim no responsibility over the debt is not mine. Im most likely a victim of identity theft.
Company Response: Closed with explanation

Timely Response

2019-09-14

August F. Haw, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-13

Harsens Is, MI

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Grosse Ile, MI

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: This account, has been removed from my report! However, there saying that they are keeping it in there reports that I still owe this amount! Like I explain before, I would like to have prove that I told anyone to keep me enrolled in a class at XXXX college! If they were not going to remove it all together then they should have left it on my report, due to me just filing bankruptcy! I am trying to go back to school and this is a mess! I guess I have no choice but to contact an attorney to get this handle! Im not paying anything that I know I dont owe! So with that being said I would appreciate if someone from XXXX college, or m & m credit can send me proof that I requested to stay in a class, when I hadnt be attending the school in semesters! They are trying to rip me off! And I refuse to pay something that I know is not right! Also I will be calling the department of education to also report this!
Company Response: Closed with explanation

Timely Response

2019-08-12

Peoria, AZ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-01

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-19

MI

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 reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.
Company Response: Closed with explanation

Timely Response

2019-07-16

Birch Run, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I am writing to file a complaint against Merchants and Medical Credit Corp., Inc. for threatening to add an unverified ill-legitimate debt to my credit report and then acting on their threat, damaging my credit. On XXXX I received a notice of their intent to collect on a debt for the original creditor XXXX XXXX XXXX, XXXX. I followed the instructions to dispute the debt and contacted them in writing by Certified Mail telling them that I disputed the entire debt. I called Merchants and Medical Credit Corp.on XXXX after receiving the documents pertaining to their collection efforts. I spoke to " XXXX XXXX '' ( the name she gave me ) between XXXX and XXXX. She told me that I did owe this debt and proceeded to tell me how it was that I owed this debt. I could tell she was getting upset when I was adamant that I didn't owe the debt. I told her that I had a document that proves that I don't owe the debt. She told me that she didn't care what I had. I asked for receipts for the damage repairs. She told me she didn't care what I wanted. She told me that they had done what they are supposed to do and she was putting it on my credit report and hung up on me. At the beginning of our conversation she informed me that our conversation was being recorded so this can be substantiated by their own recording. She did put this on my credit report. She also put that it was FCRA compliant. They did not attempt to validate the debt and they would not accept my proof that it was an invalid debt. This was a Landlord-Tennant dispute. This has already been settled in a court of law. I have a copy of the Judgement for " Possession Only '' to XXXX XXXX XXXX XXXX, no money judgement at all, and the case has been closed since XXXX. In addition, the documents they are trying to collect on aren't even legal or correct. They are trying to collect on an un-dated " Itemized Security Deposit Deduction '' form in which the last line states : " After totaling all charges lawfully assessed against your security deposit, a deduction of {$220.00}, a balance remains in the amount of {$1500.00}, a check or money order for the remaining balance is enclosed. By cashing the check or money order you agree to the above amount. '' This wording states that the XXXX XXXX XXXX owes me money back from my deposit and are sending me a check or money order for {$1500.00}. Not demanding a debt of {$1500.00}. Even without my Judgement proof, common sense dictates that this is not even a debt, let alone a legitimate debt. Clearly Merchants and Medical can read on their own that this describes a credit due to me, not a debt owed to XXXX XXXX. I am also filing a separate complaint against XXXX XXXX XXXX, XXXX for fabricating charges and furnishing this as a debt to Merchants and Medical Credit Corp. for collection purposes, knowing this is not a legitimate debt. Having Merchants and Medical Credit Corp put this as a collections debt on my credit report has been/will be costly for me. I believe it was put on with malice and intent to damage my credit due to the conversation with the Merchants and Medical Credit Corp representative. This should be corrected immediately before any more damage is done to my credit. I have uploaded all documents sent to me by Merchants and Medical Credit Corp., Inc. Thank you, XXXX XXXX Debt Collector : Merchants and Medical Credit Corp. Inc. XXXX XXXX XXXX , XXXX, MI XXXX Local # ( XXXX ) XXXX Toll-Free # ( XXXX ) XXXX Reference No : XXXX Disputed Amount : {$1500.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-07-12

Birch Run, MI

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Contacted your employer
Complaint: A female representative from Merchants and Medical Credit Corporation, called my job, without stating who she was, nor where she was calling from asking for me and when asked did she want to speak to me, she stated No! I knew she worked for XXXX XXXX XXXX and hung up the phone. I am a XXXX XXXX, therefore I work at several locations and this person choose a branch where she could speak to a co worker instead of our home office. Therefore, this co worker calls me at another job site asking why are these people calling around looking for me.
Company Response: Closed with non-monetary relief

Timely Response

2019-06-24

Addisleigh Park, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-06-12

MI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.
Company Response: Closed with explanation

Timely Response

2019-05-18

Orion Twp, MI

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}
Company Response: Closed with non-monetary relief

Timely Response

2019-05-07

Rankin, MI

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2019-04-26

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: THIS ACCOUNT HAS BEE REMOVED BY MERCHANTS AND MEDCAL ON XX/XX/XXXX AND NOW HAS BEEN SOLD TO THIS COMPANY AND HAS REAPPEARED ON MY REPORT WHICH A VIOLATION OF THE FCRA AND FDCPA, ... .MERCHANTS MEDCAL HAS PLACED AN " Account has been validated note '' ON MY CONSUMER FILE THEN SOLD THIS ACCOUNT TO THIS NEW COMPANY, M & M CREDIT INC .
Company Response: Closed with non-monetary relief

Timely Response

2019-04-13

Ft Lauderdale, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-06

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-03

Farmingtn Hls, MI

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2019-04-01

Macomb, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-03-28

Detroit, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have a debt collection reporting on my credit that I do not recognize. I have no knowledge to where this debt originated from. It states a school that I never attended for services that I have never used.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-17

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-04

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: ACCOUNT IS NOT VALID AND IS NOT MINE.
Company Response: Closed with non-monetary relief

Timely Response