Merchants and Medical Credit Corporation, Inc.

2016-12-28

Orion Twp, MI

Communication tactics

Debt collection: Federal student loan

Threatened to take legal action
Complaint: This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: Yes Timely Response

2016-12-02

Commerce, MI

Cont'd attempts collect debt not owed

Debt collection: Non-federal student loan

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-02

Canton, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-14

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-28

MI

Disclosure verification of debt

Debt collection: Medical

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

Disputed: No Timely Response

2016-09-28

ME

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-09

Mill Creek, IN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

Mill Creek, IN

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-09

Flint, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was discharged in bankruptcy
Complaint: This bill was discharged in bankruptcy 2 years ago
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

Birmingham, AL

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2016-07-28

Birch Run, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-26

Cascade, MI

Communication tactics

Debt collection: Non-federal student loan

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

Disputed: No Timely Response

2016-07-12

Birmingham, AL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: File No. : Account No. : # XXXXM & M Credit , # XXXX XXXX { also to include any other accounts in my name } Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXXXXXXXXXX Dear Sir /Madam, This letter dated XXXX XXXX, XXXX is to notify you, your company claiming ownership of this alleged loan, note and or Debt. That I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender, XXXX XXXX / Hospital and Etc.,. ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided. This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. Please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 3. Provide details how the alleged debt was calculated. ( XXXX v. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XXXX XXXX. 4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt. 6. Identify the original creditor. 7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 8. Provide evidence that the Statute of Limitations has not expired on this account. 9. Provide evidence that you are licensed to collect in my state. 10. Provide your license numbers and the Alleged Lender 's Registered Agent. Please provide the above information within five ( 5 ) business days from the postmark date or email date to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Email : XXXXXXXXXXXX Sincerely, XXXX XXXX LETTER TO ALL XXXX CREDIT BUREAUS XXXX, XXXX, XXXX XX/XX/XXXX Re : According to the FAIR CREDIT ACT PLEASE ADHERE. Please address ALL XXXX issues below. Thank You 1. Please remove these XXXX accounts completely from my NEGITIVE ACCOUNTS [ also any others you still have. I have addressed ALL on my reports before ] from my credit report [ M & M and XXXX ]. Each of the XXXX has removed XXXX but not the other. So that ALL three have the same information to remove. I have enclosed or attached a copy of my second and final request to each credit agency and primary alleged debt owner. M & M CREDIT # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1100.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : XXXX {$1100.00} XXXX ; Pay Status : XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX ; Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$240.00} CHARGE-OFF XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : CHARGE-OFF 2.inquires. Please Delete ALL HARD INQUIRES THAT HAVE AN EFFECT ON MY CREDIT SCORE. " In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the BELOW address. If your investigation determines the inquiry was authori
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-11

Flint, MI

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-07

Harsens Is, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-07

AL

False statements or representation

Debt collection: Medical

Indicated committed crime not paying
Complaint: Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-19

Grosse Ile, MI

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-28

Davison, MI

Improper contact or sharing of info

Debt collection: Medical

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

Disputed: Yes Timely Response

2016-04-21

Philatelic Center, CA

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-18

Anderson Township, OH

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-04-18

Orion Twp, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-04-10

Charlotte, NC

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-04-04

Euclid, OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-24

Flint, MI

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-16

MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response