Merchants and Medical Credit Corporation, Inc.

2017-08-01

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.
Company Response: Closed with explanation

Timely Response

2017-08-01

Westland, MI

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-07-14

Benbrook, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-07-05

Chula Vista, CA

Incorrect information on your report

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

Account status incorrect
Complaint: This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-25

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

2017-06-22

Ashburn, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-06-16

Ottawa Hills, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-25

Lodgepole, NE

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XX/XX/XXXX I would like to file a formal complaint against Merchants & Medical Credit Corporation , Inc of XXXX XXXX XXXX XXXX MI XXXX. I understand they are a related company of XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX about whom I filed a complaint with you on XX/XX/XXXX. I do not have, nor have I ever had a XXXX credit card. I advised XXXX XXXX XXXX of this in writing on XX/XX/XXXX ; however, it has not made any difference. I further advised XXXX XXXX XXXX on XX/XX/XXXX that my wife had a XXXX credit card that has been managed by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX, phone XXXX or XXXX since lateXX/XX/XXXX. Again, this has not made any difference as XXXX XXXX XXXX continues to call multiple times per day to each number instead of contacting XXXX XXXX XXXX XXXX as directed. Now I am receiving letters from Merchants & Medical Credit Corporation , Inc. Please ensure that Merchants & Medical Credit Corporation , Inc. removes my information from any XXXX credit card and removes all information reported by either them or XXXX from all credit reporting agencies. Further, please ensure that Merchants & Medical Credit Corporation , Inc. ceases all contact with either me and directs any contact with my wife through XXXX XXXX XXXX XXXX as referenced above. Thank you!
Company Response: Closed with non-monetary relief

Timely Response

2017-05-22

Ottawa Hills, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-18

IL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was XXXX XXXX . Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.
Company Response: Closed with explanation

Timely Response

2017-05-17

Pinellas Park, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Filing complaint against Merchants and Med Cr ( M & M Credit ) On XXXX XXXX , 2017 I sent a letter to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter ) The letter was sent via certified mail and arrived on XXXX XXXX , 2017 at XXXX ( see documentation ). I received a letter dated for XXXX XXXX ,2017 with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt. On XXXX XXXX , 2017 I sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on XXXX XXXX , 2017 a t XXXX ( see documentation ). I still have not received a response back from M & M Credit. I pulled my credit report yesterday X/XX/17 and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.
Company Response: Closed with explanation

Timely Response

2017-04-28

Ashburn, VA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Company Response: Closed with non-monetary relief

Timely Response

2017-04-18

Concord, IN

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Birch Run, MI

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Fenton, MI

Improper contact or sharing of info

Debt collection: Medical

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Merchants and Medical Credit is has continuously attempted to collect one 2 debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on one of the accounts by {$1.00} ( from {$440.00} to {$440.00} ) and listed them both as closed collection accounts. The following week, the accounts are listed as open collections with the balance on one being decreased by {$1.00} ( {$440.00} to {$440.00} ). In doing so, my credit score was further damaged. Photos are attached as proof that you changed the balance due. On XX/XX/2017, Merchants and Medical replied to a complaint filed with CFPB. They state that the alleged debt was for medical treatment for a minor child. They said that they will send an itemized bill that they just received. If the bill was just received, how could all of my previous disputes come back as verified if they are just now receiving the bill. Merchants and Medical Credit has failed on numerous occasions to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-17

Fort Russell, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Jackson, MI

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-11

Detroit, MI

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-05

Detroit, MI

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-28

Harsens Is, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: There are 2 accounts which i paid in full ones for XXXX n the other is XXXX they both been payed in full
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-29

Flint, MI

Communication tactics

Debt collection: Medical

Threatened to take legal action
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-11

Detroit, MI

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: Male callers from Merchants and Medical Corporation have been calling my father, who is recovering from XXXX, in regards to a debt they claim he owes to XXXX XXXX. He has never received an invoice stating the debt was owed or to be collected, neither from XXXX or the debt collection agency. The 1st call came XX/XX/2016 and my dad apparently told the guy to call back when I got home from work because he does n't handle the bills due to his condition. This guy called back ( ca n't recall his name at the moment, maybe XXXX or XXXX ) but when I asked about information regarding the call and the debt, the male caller became irate with me because I would n't agree to provide my father 's debit card information over the phone. He agreed to send an itemized invoice so we could confirm the service ( he would not provide a specific date for the alleged service ). He was very rude with me. We never receive an invoice. Last night ( about XXXX ) our house phone rings with a number we do n't recognize. A man named XXXX asks for my father and does not repeat where he 's calling from but insists that he speaks with my father. I give my father the phone and due to the volume being turned up for my father 's hearing I can hear XXXX 's loud voice telling my father he owes a debt for over {$1000.00} and my father gets upset and says " What?? '' Being XXXX patient, he does not need to be surprised, alarmed, etc So I took the phone from him and politely said hello and XXXX with an attitude says " Who am I speaking with NOW? '' I say it 's XXXX again and he asks my relation to my dad and I explain why I am taking the call. He says he can see on the file that i am authorized to handle this matter and asked for me to remit payment over the phone for the debt. I told him about the last phone call and how we never received the itemized invoice that was requested and that I again did not feel comfortable supplying my dad 's card information over the phone. I asked for contact/call-back information for the company and was denied and also denied permission to speak with a supervisor. XXXX started talking over me when I said I was n't giving the card info until we received the invoice and said they already sent one and would not be sending another. He continued to yell about what would happen if I did not remit payment and I yelled back that I would not be threatened and my father would not be threatened and legal action would be taken if the harassment would not stop. He continued to yell at me so I hung up the phone. I called the number back 20 minutes later to see if I could connect with a supervisor or identify the company ( I was not given the debt collection agency 's name prior to the callback and speaking with the supervisor ) I spoke with a young lady XXXX XXXX and informed her of what just happened and asked to speak with a supervisor. She incorrectly identified me as another person which was strange, and upon speaking with the supervisor XXXX XXXX she admitted that there was incorrect information on the file and the invoice was sent to another address on our street which now leads me to further believe this is not our debt and from previously being serviced by XXXX, they mixed my dad 's contact info with another patient on our street. I suggested that XXXX look into this employee XXXX and his tactics and she just kept saying she 'd listen to the recordings. No apologies were offered or anything additional as far as reprimands etc.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-09

Williamston, MI

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Company Response: Closed with non-monetary relief

Disputed: No Timely Response