Merchants and Medical Credit Corporation, Inc.

2018-02-10

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX saying the debt is mine but refuse to provide and proof that it is.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Lafayette, IN

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2018-02-02

Detroit, MI

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-31

Meridian, AR

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-29

Detroit, MI

Communication tactics

Debt collection: Medical debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-01-23

Lathrup Village, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-21

Meridian, AR

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-20

Birch Run, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well
Company Response: Closed with explanation

Timely Response

2018-01-19

Detroit, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-14

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof
Company Response: Closed with explanation

Timely Response

2018-01-14

Saint Clair Shores, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-31

Antioch, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-30

KY

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.• Repetitious Phone calls –telephone records list 25 calls in the said time frame• Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process) and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”• Failure to notify me of my right to receive verification of debt • Failure to provide me with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX• Failure to inform me that I can dispute the debt • Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX. She did not provide the requested information to me.• I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue. I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
Company Response: Closed with explanation

Timely Response

2017-12-12

Detroit, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Dear Agency : I am in receipt of your attached offer, as mentioned above, however I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not an illegal and obnoxious debt collection practice. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency can file any lawsuit against consumer without having the intent to prove the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act. I conditionally accept your offer, as mentioned above, upon verifiable proof of balances, interest rates, and payment due dates. I conditionally accept your offer, as mentioned above, upon verifiable proof of accounting and transactions. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable. I conditionally accept your offer, as mentioned above, upon verifiable proof that the debt is owed and accurate. I conditionally accept your offer, as mentioned above, upon verifiable proof of legal documents to prove that you are legally authorized to collect. I conditionally accept your offer, as mentioned above, upon verifiable proof of a signed contract showing the terms about the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof of WHO owns the debt/or has been assigned the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof of a copy of a True Bill in Commerce. I conditionally accept your offer, as mentioned above, upon verifiable proof of a complete payment history, starting with the original creditor. I conditionally accept your offer, as mentioned above, upon verifiable proof of a Certified and True Copy of the original signed agreement or application. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM.
Company Response: Closed with explanation

Timely Response

2017-12-07

Antioch, TN

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-12-02

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.
Company Response: Closed with explanation

Timely Response

2017-10-30

Bartonville, IL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-10-09

Boogertown, NC

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Company Response: Closed with explanation

Timely Response

2017-10-04

Harsens Is, MI

Written notification about debt

Debt collection: Medical debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3 1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.
Company Response: Closed with explanation

Timely Response

2017-10-02

Detroit, MI

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2017-10-02

Detroit, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-27

Ottawa Hills, OH

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Closed with non-monetary relief

Timely Response

2017-09-26

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company
Company Response: Closed with non-monetary relief

Timely Response

2017-08-23

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2017-08-21

Charlotte, NC

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
Company Response: Closed with non-monetary relief

Timely Response