Grant Mercantile Agency CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93725	Web
MY ORIGINAL COMPLAINT. GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving me threats on my voicemail. They also began to contact me by mail shortly after the first call I had with that rep. After them XXXX me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) a debt validation letter which I have attached to this complaint. GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity.As you can see For account XXXX there is inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the two credit reporting agencies. Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE : XXXX After sending in this complaint GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) did not decide to take this inaccurate account off my consumers report.This is now my second complaint and they did not answer any question in my first complain nor did they try to resolve this. Grant Mercantile age did not provide me with their reasonable policies and procedures concerning the accuracy and integrity of the furnished information on my credit report. They did not answer the question of if those policies and procedures are furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. They never gave me an explanation of why they are violating code 12 CFR 1022.41. They never gave me an explanation of why they are not upholding code 12 CFR 1022.41as a data furnishing company.12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Instead of removing the inaccuracies of my consumers report they stated they reached out to the original provider per my request which I did not request. They still have yet to explain why there are inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three credit reporting agencies. There is no way this account is accurate while furnishing so many inaccuracies within this account. Instead of removing this inaccurate account They attached a copy of a signature that's not mines, which validates my earlier statement to their previous rep, I have never agreed or contracted to pay on this debt. They still have not furnished sufficient evidence to verify this account belongs to me. Grant Mercantile Age is choosing to still furnishing inaccurate information on my consumers report while knowing this debt doesn't belong to me. I know they are not upholding 12 CFR 1022.41as a data furnishing company because I the consumer am still suffering from this inaccurate account which they know is inaccurate because I have attached supporting evidence to show all inaccuracies within this account. I am still waiting for Grant Mercantile Age to provide me with their reasonable policies and procedures concerning the accuracy and integrity of the furnished information on my credit report. Instead of removing this inaccurate account they are choosing to still furnish inaccurate Information on my consumers report and have me suffer as a consumer.
07/17/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94601	Web
Emailed- XXXX XXXX , at mail to : XXXX 1st email XX/XX/XXXX I believe am being excessive and illegal charged interest and fees on medical bills. Medical bills are n't liquidated debts and there was no specific implied agreement expressing authorizing rates of interest. I never agreed with interest that 's twice the amount of the original debts, which I did n't agreed to or see as reasonable charges for medical service. Every state has a limit to the amount of interest and collection fees that can be charged, if applicable. Am requesting an itemized statement of fees and interest being charged. A copy of contract authorizing such fees and collection charges. And a print out of California laws supporting rate of interest and collection charges for medical bills, without contract. Removal of interest and collection fees within 30 days of letter. Stop reporting inaccurate debts with interest to credit bureaus. When assigned the debt by the original creditor, the collection agency can demand and collect interest from the debtor to the same extent that the consumer would be obligated to pay interest to the original creditor. The obligation to pay interest is not changed by the debt being assigned to a collection agency. If a collection agency does demand and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. Subsequently, each additional amount of interest should be shown as a separate increase to the total balance due at that time. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it an unliquidated debt. 1. The original debtor didnt charge interest and nowhere in contract expressed it. Never did the collection agency inform me of the interest being charged or at what rate in written. They just started to apply it at their own interest rate to the original debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute accounts. As of XX/XX/XXXX , account opened XX/XX/XXXX balance was {$2200.00}. By XX/XX/XXXX the balanced jumped to {$2400.00}. This was less than two months of interest that had been add to each of these accounts. As of XX/XX/XXXX , account opened XX/XX/XXXX balance was {$870.00}. By XX/XX/XXXX the balanced jumped to {$940.00}. As of XX/XX/XXXX , account opened XX/XX/XXXX balance was {$1500.00}. By XX/XX/XXXX the balanced jumped to {$1600.00}. 2. California has laws on a cap on interest amounts that can be charged by collection agency, if any interest. I would like an items statement expressing original debt amount, when interest began to be charged and at what interest rate. I want them to express under what California law, they have rights to interest on these accounts. 3. Are remove debt from collection report by particular collection agency, if my rights were violated in any way within 30 days. 4. Correction to collection accounts, within 30 days. 5. Never sent a written notice of interest collection and/or rate being charged by collection agency. 2nd emailed XX/XX/XXXX I received letter sent from your company dated XX/XX/XXXX . Referencing account # XXXX in total amount of {$2800.00}. Principal {$1800.00} and interest {$960.00}. You sent verification of debt, that was n't requested. I requested validation of debt which provides me with contract expressing authorizing rates of interest, if any. An itemized statement of fees and interest being charged and dates of when they were charged. And a print out of California laws supporting rate of interest and collection charges for medical bills, without a contract. If your collection agency demands and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. Subsequently, each additional amount of interest should be shown as a separate increase to the total balance due at that time. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it a liquidated debt. XXXX XXXX XXXX XXXX is a private hospital. Never did the collection agency inform me of the interest being charged or at what rate in written at any time. Your company just started to apply it at their own interest rate to the principal of the debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute the accounts. I want documentation requested and validation on all XXXX accounts that been disputed and placed in collection by Grant Mercantile Agency, within 30 days. I would appreciate if my legal rights be granted and this hardship that your company is placing on my life, stopped.
03/08/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93901	Web
Back in XX/XX/XXXX, I got XXXX XXXX. It showed that I had a collection of {$330.00} for medical place. I assumed it was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because I had gotten XXXX XXXX through them XX/XX/XXXX. That was the date of the XXXX. It took 2 years of exams beforehand to actually do the XXXX so it is possible that I had an unpaid bill. Plus at the time my mom or the health insurance that I had were covering all my medical costs. Then I received a letter in the mail saying that I had an unpaid bill so I call the number and they said that I owed around {$650.00}. It didnt match the XXXX XXXX collection. Then I realized later that they were two different medical bills. The one on XXXX XXXX was actually through the Grant Mercantile Agency on behalf of the XXXX XXXXXXXX XXXX. Like before, I didnt even know that I owed them money, because I had only visited this place once and I thought that the insurance had taken care of it. I never received a phone call or a bill or an email about the bill. If it had been sent to my mom, she would have taken care of it or I would know about it. Anyways, I called the number XXXX XXXX provide for the Grant Mercantile Agency around the beginning of XX/XX/XXXX and they claimed that I owed {$330.00}. The principle was {$250.00} and the interest was {$79.00}. I was only making close to {$800.00} a month at the time so I asked if I could make {$25.00} payments. They agreed and told me that I could only pay by check. I received the bill around XXXX XXXX. The bill was due XX/XX/XXXX so I wrote the check and mailed it immediately. Everything was fine until a received a bill around the 2nd week of XX/XX/XXXX for {$330.00} saying that they were going to revoke the payment agreement if I didnt pay them in 5 days. I called them and I was extremely upset. Then the lady I was talking to hung up on me. Then I asked why did you hang up on me? Then she said you shouldnt have yelled at me. Then I really did start yelling. She claimed that they never received a check. We went back and forth for a very long time before I started having a XXXX XXXX and I had to have my boyfriend speak to them in proxy. They told him that I should have paid online when they told me that I had to pay by check. He wrote down the directions they gave him to pay online. They said it wouldnt be due until XX/XX/XXXX. I tried to pay somewhere around XX/XX/XXXX. Their website was very confusing. It kept glitching. I even had to submit the form twice. Because them never receiving my check was fishy, I took a couple of snap shots of it. I paid the {$25.00} payment and was done. Never going to speak to them again! XX/XX/XXXX, I was put {$5.00} under in my bank account. This is how : I had {$28.00} in my account at the time. Grant Mercantile Agency charged me for {$330.00}. Then my bank charged me {$34.00} for the bounced fee which put me at - {$5.00} in my account. My bank was nice enough to wave the fee after I explained what happened. So I called the Grant Mercantile Agency the same day. They wouldnt listen to me at all. Anytime I tried to tell them what happened they wouldnt let me talk and would say that Im making things up so I can get out of paying and that I was just XXXX. I got to the point where I had a XXXX XXXX XXXX where I dropped my phone and just curled into a ball in tears. My boyfriend took the phone and talked to them. Then I said screamed that I have proof XXXX! Because she wasnt listening to my boyfriend either. Then they gave us an email to send it to so I sent the photos and then they claimed that they were to blurry to see so we were obviously lying. Then I said I wasnt going to pay them anything until I had the full amount. Then XX/XX/XXXX, I got my tax return and decided to take care of the fee once and for all. I looked on my XXXX XXXX for the collection number and this time it said that I owed them {$1300.00}! Thats more than {$1000.00} extra! I kept telling her that I wasnt going to paying that and she would barely let me speak. She kept saying that I was vulgar and my check was invalid. I had to yell shut up like 10 times for her to let me finish what I had to say. I told her that she said that they had never received a check. I told her to remove the fees or they wouldnt get one cent out of me. Finally, the lady said that if I wanted the fees removed that I would have to talk to the supervisor on Monday. I hung up on her because this whole thing has been ridiculous. Saturday, XX/XX/XXXX, I looked at the reviews for Grant Mercantile Agency. It turns out that they are pulling the same type of issues on several people, not just me. Someone said that I should report it. So I havent even called them back yet. I decided to report it instead.
01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 93725	Web
GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving me threats on my voicemail. They also began to contact me by mail shortly after the first call I had with that rep. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) reported multiple inaccuracies on this account to the two main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) a debt validation letter which I have attached to this complaint. GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity.As you can see For account XXXX there is inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the two credit reporting agencies. Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. GRANT MERCANTILE AGE : XXXX
12/26/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92596	Web
I received a letter from Grant Mercantile Agency ( GMA ) regarding an hospital bill plus interest. When I reached out to the company to dispute it, they acknowledged that there was an error that wasn't my fault and agreed to waive half of the interest. However, since the issue wasn't my fault, I asked them to waive the entire interest and they refused. The history is as follows. I was treated by XXXX XXXX XXXX XXXX XXXX. When I first checked in, I filled out my forms, handed them my license, and provided my insurance card. Instead of pulling my address from the forms I filled out, they pulled my address from my drivers license. I had moved and the address on my drivers license was incorrect. I received a letter from GMA stating that my account was delinquent and they were collecting for the hospital. I reached out to the billing department at the hospital and that's how I learned that they had entered the wrong address. The hospital said they would recall the debt from GMA and send me a new bill. Once they did, I paid it in full. They also said there might be another bill from the other side of the hospital that was also sent into collections for the same reason. I asked them to take care of that as well. The person I spoke with said she would reach out to the other billing department and do the legwork for me. Two months later, I received another letter from GMA stating that my account was, once again, delinquent. I reached out to XXXX XXXX XXXX XXXX XXXX and they said they have no record of me being delinquent. They suggested I contact their sister hospital -- XXXX XXXX -- because there are frequent mix ups between billing departments with those two hospitals. I was treated in both hospitals so it was a possibility this was the case. I reached out to XXXX XXXX 's billing department and they also had no record of me being delinquent. I reached out to GMA and they said they would not provide me with the info of who sent me to collections. They suggested I contact XXXX XXXX XXXX XXXX XXXX. I informed them I did. I explained the situation and asked them to remove the interest from the debt. I told them that if I had an outstanding bill -- because it was sent to the wrong address by the hospital -- I would gladly pay it. However, I shouldn't have to pay the interest. They said they don't waive interest. I asked for a supervisor and argued my case with her. She said they would waive half of it. While nice of them, I feel I shouldn't have to pay for any of the interest. I am not at fault for this. When I asked them why they would waive half and not the whole amount, they said they don't waive interest. She told me that the bill was ultimately my responsibility. I agreed and said I was never trying to dispute it. I was never sent a bill because it was being sent to the wrong address. She said I should have known how much I owed and followed up if I didn't receive a bill. How could I follow up on something I know nothing about? After I've been treated by a doctor, my insurance company will send me an explanation of benefits and state that " this is not a bill. '' After that, it can take months until a bill arrives. If it's a XXXX, it can take up to a year before all the bills have been sent out. If I don't have a time frame for when ( or if ) I'll see a bill, I will have no reason to reach out to ask about it.
02/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL XXXXX	Web	Older American
On XX/XX/XXXX I had a XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Following XXXX I spent 4 days in the hospital due to the fact that my XXXX XXXX XXXX XXXX I have an XXXX XXXX that I wear. This has caused more complications as attempting to walk was extremely difficult. So much so, that the hospital recommended that I be transported to a XXXX XXXX in XXXX XXXX to XXXX for about 2 weeks before coming home. This was approved by XXXX. We were concerned about infections and catching other things, and decided I would be better off at home ( this was the doctors preference ). Unfortunately, due to my XXXX XXXX situation and the recently XXXX XXXX XXXX, I could not get into my home as I have steps just to get into the home and I could not go up the steps. Therefore, the hospital said they could take me there by ambulance and then lift me into the house on a stretcher. This was the only way I could get into the house. Since the hospital had already checked and had the XXXX pre-approved, the ambulance I thought was covered as well. It was just simply ordered from the hospital, so I assumed all covered. When I got into the ambulance the Tech told me not to worry as I would never see a bill on this. Now they are billing me for over XXXX XXXX dollars ( original bill {$3600.00} ). I see that XXXX has now covered {$610.00} of this, leaving {$3000.00} for me to pay. I can not afford this, and this is a total shock to me as no one told me at all that this was not covered. Had I known I would have gone to XXXX for the 2 weeks which, I believe, this would have cost more to XXXX. So, I am appealing this on the basis of " medical necessity, '' there was no way to get me home or even in my house, for that matter without it. Again, if I went the XXXX route, I would have had to be transported to XXXX XXXX as well, an even longer distance. Again, I appeal to you for further coverage of this. This was a total of XXXX miles home, and the mileage alone they are charging is {$1000.00}. This would cost me in my car about {$6.00}. Please consider this appeal request for the circumstances indicated, given I had no choice. If you need a doctor 's note or proof of my XXXX XXXX, I can certainly provide this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope you can see the challenge this has created. I appreciate your consideration. Please contact me at my cell for any questions, and or email at XXXX or XXXX. Noone will listen to this and I have appealed with the insurance companuy, XXXX, and the XXXXXXXX XXXXXXXX XXXX. They keep telling me to contact one another. Which I have done and they keep saying they are checking. Then out of the blue I received an letter from a collection agency, Grant Mercantile Agency in California. They are not acrruing interest on the amount daily, at a 10 % APR. They said they will not settle on the principal at all. My insuyrance company said they would re-appeal this, as of yesterday XX/XX/XXXX and they were supposed to notify the collection agency to put a hold on this. Can you help
07/23/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94601	Web
I believe am being excessive and illegal charged interest and fees on medical bills. Medical bills are n't liquidated debts and there was no specific implied agreement expressing authorizing rates of interest. Requesting an itemized statement of fees and interest being charged and dates of when they were charged. A copy of contract authorizing such fees and collection charges. The obligation to pay interest is not changed by the debt being assigned to a collection agency. If a collection agency does demand and collect interest, it should be shown as a separate amount from the principle when it is first demanded from the consumer. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Never did the collection agency inform me of the interest being charged or at what rate in written. They just started to apply it at their own interest rate to the original debt. Interest wasnt applied to any of this account until two years after being placed in collection by Grant Mercantile agency, when I began to dispute accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$2200.00}. By XX/XX/XXXX the balanced jumped to {$2400.00}. This was less than two months of interest that had been add to each of these accounts. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$870.00}. By XX/XX/XXXX the balanced jumped to {$940.00}. As of XX/XX/XXXX, account opened XX/XX/XXXX balance was {$1500.00}. By XX/XX/XXXX the balanced jumped to {$1600.00} ( proof attached ). Congress passed a bill that only non-private hospitals can charge interest on a hospital bill, because it an unliquidated debt. XXXX XXXX XXXX XXXX is a private hospital. Never did the collection agency inform me of the interest being charged or at what rate in written at any time. Your company just started to apply it at their own interest rate to the principal of the debt. I received letter sent from your company dated XX/XX/XXXX. Referencing account # XXXX in total amount of {$2800.00}. Principal {$1800.00} and interest {$960.00}. You sent verification of debt, that was n't requested.
09/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89701	Web
On XX/XX/XXXX I checked my XXXX XXXX account and noticed a hard hit on my credit. Upon immediate review I learned that a debt collection agency ( Grant Mercantile of XXXX California ) had received/opened an account on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California ) . It was noted that the account in collections was opened XX/XX/XXXX. *I was not aware of the debt, received NO verbal communication, NO written notification from either XXXX XXXX or Grant Mercantile. * Friday XX/XX/XXXX I called Grant Mercantile to get information as to why this debt ( from XXXX XXXX XXXX ) was sent to collections. The agent I spoke to ( XXXX I believe ) had no information. She said she would research it and they would contact me by phone. I called again the following Monday ( XX/XX/XXXX and also XX/XX/XXXX ) with the same outcome. I proceeded to try to call XXXX XXXX XXXX again, for a total of three attempts to speak to someone in billing. I find this incredibly irresponsible and unprofessional on both agencies, the lack of communication, record keeping and reasoning to hold my account in collections is disturbing not to mention critically impacting my credit score. A professional debt collector should collect basic information at minimal, there should be no reason to open an account with no reasoning. I was not aware that insurance had finally paid their portion of this bill until I had to research this mess on my own. The remaining balance left ( from an initial amount of around {$1700.00} ) is under {$400.00}. Grant Mercantile states on their website that they are a XXXX XXXX XXXX XXXX and was founded in XXXX. They also state : XXXX takes great pride in providing superior service and exceptional recoveries XXXX collectors are trained to assist debtors as counselors and advisors. Our goal is to help our debtors repay their debts as quickly as possible. With the experience I have had with them I can attest to the unprofessional nature, they have certainly not held to any of their own set standards. My credit score prior to their hasty account opening was XXXX, which certainly does not reflect irresponsibility on my part.
05/19/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94404	Web
The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. GRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. On XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours. b. Do not disclose any information about me in connection with marketing agreements between you and any other company. GRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations. I ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. Thank you
08/31/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Ive tried contacted the original creditor in regards to the debt. The phone number has been disconnected and they have not provided an updated contact number. I was finally able to get a contact number and they told me the account was collections. I called today XXXX Monday, XX/XX/2020 at XXXX ) and the call was being recorded. I spoke with a representative that said the balance given to them was {$51.00} I was told the original balance was {$50.00} and explained to her I could pay the {$50.00} after going back and forth. The call was being recorded and she told me that if I paid the {$51.00} the balance would be paid in full. I refused to pay and called the original creditors back for the exact amount in which they informed me of the {$51.00}. I called back at XXXX and the same representative answered the phone and I asked to speak with a manager. She transferred the call to ( XXXX ) who claimed to be a manager. She then stated she was refusing to accept the {$51.00} as a paid in full balance. I told her the representative prior to her had given me the amount of {$51.00} to be paid in full. She declined and refused to hear me out. I told her the calls were being recorded and that I wanted someone of higher authority to listen to the recording of the previous conversation. She said she had been there the whole time rang both conversations and she knew what her representative had said. She said she was the highest form of authority and to call back in 5 minutes so she could listen. I called back at XXXX and XXXX got on the line Claiming to have listened she said that the representative had only told me the amount of {$51.00} to tell me whats as sent to them. I would like for someone to get a copy of the recorded conversations as proof of the conversation. I know what I was told and she refused to let me hear the recording. Over a recorded call I paid the balance of {$51.00} in which I told would bring the balance to paid in full via phone with my credit card. Authorizing only the amount of {$51.00} to be deducted from my account through a one time payment.
02/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web
THE COMPANY, GRANT MERCANTILE AGENCY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC1692 ( A ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, invoice, and XXXX are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency Are inconsistent with a declared policy of Congress In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account.
01/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92595	Web	Older American
This is the second notice I have received from a collection agency called " Grant Mercantile Agency. '' They claim I owe {$710.00} to a creditor named as XXXX XXXX XXXX XXXX. I do not know who these people are because I never received a bill from them. I do not have the money to pay this, because I am on a fixed social security income and I do n't even make as much as the the amount I am being bill for. There is no phone number to reach these collectors only an address. I wrote this Grant Mercantile Agency when I first received their notice asking them who they were and why they were sending me a bill and explaining that I had never received any bill for this amount from this XXXX XXXX XXXX XXXX. I told them that I do not have this kind of money to pay for this bill as I have no extra money. No one replied to my letter. Instead I have received a second notice with the amount now at {$740.00}. I think this might be for ambulance service, but I am not sure. At that time I had told the paramedics I did not have any insurance and could not afford to pay for an ambulance. They ignored my request not to be taken to the hospital even though it was NOT an emergency. But I am not sure that this bill is for that at all. There is no clarification from these debt collectors as to what this is about. I think this may also be a scam. I am not even sure that this has anything to do with the ambulance company, because I do n't know if that XXXX XXXX XXXX XXXX is an ambulance service. I do n't really know who they are. When I was taken to the hospital last year, I told the hospital I had no money to pay anyone.
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. Regards
04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91702	Web
On XX/XX/2018, my wife had undergone a medical procedure. The amount to be owed was sent to us by the hospital where this procedure was performed and the amount was paid in full. Now the XXXX Company that performed the procedure in the hospital is billing us separately for an original balance of XXXX US-dollars however, we have never received the bill for this that is why we were never aware of the charge pending and had thought that we had already paid everything when we paid the Hospital where the procedure was performed. Due to this, the XXXX company had forwarded our account to the collection agency on XX/XX/2018. I had tried to reach out with the original company/Lender regarding this matter and they had told me that the billing company that handled this matter no longer works for them, Leaving me with no option but to directly engaged with the collection agency. I called the collection agency and had explained that we had never received the bill that is why we never knew we had to pay anything. According to them, the previous billing department had attempted to call and mail a bill to us numerous times but failed. My argument to them was that on XX/XX/2018, we had moved to a new address and we would not be able to get any mail regarding the matter. As per the calls, I do not recall getting any phone calls regarding the bill. The reason we found out about this was when we are trying to run our credit and it shows as a negative report in our credit.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91423	Web
In XX/XX/XXXX, I was a victim of Identity theft. I had an onslaught of negative items appear on my credit reports, which gravely affected my life. It affected my ability to rent a place to live, secure a security clearance, and took me almost 4 years to recover from. I am now in escrow which is supposed to close XX/XX/XXXX. One item remains on my credit report, which I have disputed, sent a police report, an FTC Fraud Affadavit ( notarized ), letters, details. The company is Grant Mercantile Agency, and the amount is {$520.00}, placed on my credit on XX/XX/XXXX. They will NOT remove it from my credit, and it is having a high impact on my loan. They continue to not remove the item from 3 bureaus. They sent me a letter with a very long list of items needed, which I responded to ( took a day off work to gether the information, spent money to send certified next day ), and they still will not remove it. The police report states I was a victim of burglury Code 459, and Identity Theft 530.5PC, and the defendant was named in the report. This company is not following the Fair Credit Reporting Act guidelines, and they are affecting my livelihood, for 4 years. PLEASE assist me in having them remove this fraudulent information from my report. I have no association with this company. I sent them Police Report, FTC Affadavit, Drivers License, Social Security Card, letters, proof of address, and everything they have requested. I appreciate your help.
06/01/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web	Older American
XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.
08/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web	Servicemember
On a daily basis I continuously receive notifications about my credit report collection increasing by Grant Mercantile, a collection agency attempting to collect a debt for an ambulance bill. I have submitted a complaint on this company numerous of times as well as requested debt validation and my signature to show proof. All the company provided was a document with signature. Nothing else that I requested such as the billing statement, insurance payment made or if insurance was billed, patient, etc. They continuously report increases in the collection amount on a daily basis for this debt drastically affecting my credit. Ive offered numerous times to settle this debt that they refuse. I have someone willing to help me with settling this debt so it may be removed and will payment immediately of {$250.00}. Per FDCPA, The agency did not provide proof that this debt belongs to me or has been assigned by the original creditor upon the first request. Therefore by law the debt collector is not allowed to continue pursuing the debt nor should the debt be listed on my credit report. Yet they continue to do so. Beware of this company, they will ruin your credit and not provide information you request to validate a debt. Just continuously argue that it belongs to you. I have yet to receive any documents by mail they just racked the debt to my reports and then constantly increase the amount owed.
12/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93722	Web
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
08/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94109	Web
I encountered an emergency XXXX XXXX while at an urgent care center. The urgent care nurse advised I need to go to the hospital, they called an Ambulance to take me to the hospital, which was XXXX XXXX in XXXX XXXX. After this incident I never received a bill from XXXX XXXX. My insurance company sent a statement that they had paid a bill to XXXX XXXX for {$550.00}. I thought it was taken care of. Months later I received a notice from Grant Mercantile Collections that XXXX XXXX was trying to collect an additional {$3000.00} and had now sent the bill to collections and is reporting on my credit report as an unpaid bill. I spoke with XXXX XXXX, they admitted that they had the wrong address on file when sending the bills. They would not offer to take a settlement payment. They said it was too late and to contact the collection agency they sold it to. The collection agency letter still has the wrong address on the letter as well. This practice is called balance billing, ambulance companies are taking advantage of a situation where they can bill above and beyond what insurance covers and there is no recourse. There are laws now preventing doctors from doing this, however ambulance companies are able to. Pending new law is moving through California legislature to outlaw this practice specifically for ambulance companies.
03/13/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91042	Web
Hi my name is XXXX XXXX. I have a big trouble with Grant Mercantile Agency , Inc. First time that I talk to them been around a month ago that I been calling them not they to me! I told them my date of birth my address and full name that they can follow up who Im! And before it I saw them like a collection in my credit reports. I been never asked to pay it and never received letter from that company!! And a sunny day I saw that company name in my credit reports! That day that I called them I told them that I do not owe nothing at all XXXX XXXX ( in my life Ive been 1 time in that Hospital and paid my balance off on XX/XX/2019! ) and beside that never been in that hospital!! I told the Gran Mercantile Agency to remove from everywhere and do not bother me and sending me any letters ( now they know my address then I told them )!! But they start to sending me some letters!! And do not remove they fraudulent collection from my credit reports!! Please help me that they get away from me!! I dont no how else can I explain them that I dont owe no one any cent in the whole world beside my credit cards that Im paying all in time without no one minute late in my whole life! They do not do anything!! They are like savages and do whatever they imagine!! Please need this help very much! Thank you.
10/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 91307	Web
Grant Mercantile agency reported to credit bureaus a {$2500.00} outstanding invoice without notifying me that they were going to do so. I was completely unaware the amount was owed and was told " we tried to call you in XXXX ( 2018 ) '' ... a full 8 months before reporting to the credit agencies. I also received nothing in the mail allowing me to dispute the charge ... which I do ... I asked them if I could dispute the charge but they told me that the ambulance company had turned it over to them and there was nothing I could do. ( they claim they did not pay the ambulance company for the account ) The charge was for {$2500.00} for a 10 minute ride that was un-necessary because it was just for XXXX, however, at the time I was told they had to take her. Clearly XXXX just wanted the money because they had already showed up. Had they told me it was going to be {$2500.00} I never would have allowed them to take her ... but my current complaint is with Grant Mercantile who did not allow me to dispute the charge ... only to claim financial hardship. When I paid in full ... due to being told I " had no choice '' they also refused to take it off my credit ... only to report it as " paid in full '' which is unacceptable and unethical given I was not notified in writing about the attempted collection.
09/04/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90710	Web	Older American
Contacted XXXX XXXX or XXXX XXXX company in XX/XX/2019 about the overcharge for ambulance charges higher than industry rates for a ( 4 ) miles transport to hospital emergency room. Contacted XXXX to discuss what my medical insurance company stated was the agreed plan discount amount set between XXXX XXXX XXXX and XXXX XXXX. I paid my copay cost that my insurance company said I was obligated to pay for the ambulance charges and my insurance company paid their portion of the charges due after deducting the plan discount amount calculated by XXXX XXXX XXXX. I contact XXXX XXXX or XXXX XXXX after contacting my medical health company XXXX XXXX XXXX and informed them that XXXX XXXX XXXX stated there is a plan discount adjusted for the ambulance services that health care provider determined reasonable for the service given by the ambulance company. Then I get a collection notice for the overcharges that was unreasonable as stated by XXXX XXXX XXXX, my health care provider. The ambulance company said their ambulance charges were reasonable and disagreed with XXXX XXXX XXXX calculation of the discount to their charges. Total paid by me and my health provider was {$790.00} and the ambulance company wanted {$2300.00} for their services disregarding the plan discount of {$1500.00}.
10/18/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	HI 96707	Web
Grant merchantile keeps trying to collect on a medical bill that was the result of either a lapse in coverage while I was displace from XXXX to XXXX. XX/XX/XXXX from XXXX XXXX XXXX XXXX. I am a XXXX individual but was in the process of switching both state providers and gender markers resulting in a medical billing error that has haunted me for years. XXXX of XXXX they increased collections amount for I think the 5th time and lowered my credit score by 45 points. XX/XX/XXXX I called grant mercantile Asked them if they purchased the debt. They stated no, they are just trying to collect. I asked can I deal with original debtor? They said it's most likely purged from their system. They said I can write a letter of hardship via U.S. mail, but I have no way of mail correspondence due to XXXX and XXXX. This has damaged my chances at getting a car to drive for a company to find a job that would work with my XXXX. It has damaged my chances finding a rental or even a private client job. I have tried to dispute and or make a reasonable settlement multiple times to no avail. I think that forcing the letter of hardship to be sent by mail is an accessibility issue that should be resolved.
01/10/2019	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 21401	Web
I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX
06/18/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94122	Web
XXXX XXXX was told by XXXX XXXX XXXX that he was covered for a medical procedure by his healthcare provider XXXX. Relying on this information Mr. XXXX proceeded with a voluntary non-emergency procedure that he would not have undergone had he been told was not covered by insurance. Months after the procedure was completed he was surprised to receive a bill for the cost of procedure by XXXX XXXX XXXX stating that his insurance did not cover the bill. Mr. XXXX reached out to XXXX to try and resolve the issue, but no response has come. Now Mr. XXXX has discovered that Grant Mercantile Agency has reported that he has not paid the XXXX XXXX XXXX for his procedure, which is on his credit report. However, there is no judgment reflecting the accuracy of this amount etc. Furthermore, Mr. XXXX would never have undergone the procedure had XXXX XXXX XXXX not mislead him into believing that his insurance would cover the procedure. In summary, XXXX XXXX XXXX should work with XXXX to get paid anything it is owed. It can not tell patients they are covered by insurance to induce them to get procedures, then bill them if they are not actually covered.
08/14/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Received documents forwarded by CFPB and had my Lawyer over look the documents. I was informed your company documentation 's was missing a valid contract, consisting of Mutuality of obligation. And theirs no clause permitting the original debtor to charge interest to the debt, including collection agency. FAIR DEBT COLLECTION PRACTICES STATUTES, states Statutory penalty. The general rule is that private parties may not impose penalties. Only governments could impose penalties. Now, statutes sometimes allow private parties ( such as credit card issuers ) to impose penalties, but unless specifically authorized by statute, a penalty ( such as an extra charge for doing or failing to do something ) is not lawful or recoverable.72 Prejudgment interest is an element of damages that is subject to and limited by legal rules. For instance, if the prejudgment interest rate is not specified by contract, a debt arising from a loan of money bears interest at the rate of 10 percent per year after breach, 71 Their is no contract to be breach, only a service agreement with no obligations financially, penalties or payment dates.
08/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63304	Web
In XX/XX/2018 I received a Bill from XXXX XXXX XXXX XXXX in the amount of XXXX. I then contacted them to prove that this was not me who used their service. After an investigation done by XXXX XXXX I then received another letter on XX/XX/XXXX stating that the results were that they could not identify who received their service. A couple of months later, I was contacted by Grant Mercantile collection agency. They were trying to receive the same debt from the afore mentioned dispute with XXXX XXXX XXXX. Grant Mercantile Requested that I send them a letter with a police report ( submitted case # XXXX ) and file a dispute with the federal trade commission ( report # XXXX ) and the letter from XXXX XXXX ambulance claiming this was not me as well. I have recently now received a notification on my credit report that Grant mercantile is still pursuing this debt. This is an example of predatory debt collection when there is no proof this was my debt and I have gone through the necessary steps to work with the agency. I am currently in contact with a local law firm to pursue legal action.
11/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.
10/10/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 91352	Web	Servicemember
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 91775	Web
To whom it may concern, I pulled my credit and noticed a collection with Grant Mercantile Agency. I called called Grant Mercantile Agency to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additonal collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. Respectfully, XXXX XXXX
08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web	Servicemember
I pulled my credit reports today on XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report nor did I revive documentation to verify the validity of the debt with signatures. This is a medical debt Im assuming hence Ambulance and this is a violation of HIPAA. I am willing to pay a settlement of {$100.00}, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted to call the debt collector to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
10/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94115	Web
Grant Mercantile Agency has committed multiple violations of the fair debt collections practices act and the fair credit reporting act. Grant Mercantile Agency has committed violations of 15 usc 1692e ( 8 ) and 15 usc 1692e ( 2 ) by reporting false information to third parties ( Consumer reporting agencies ) when it knew from its own records the true open date and balance. Grant Mercantile Agency has also failed multiple times to validate this debt and I also recently mailed out another validation of debt on XX/XX/2022. This is a violation of 15 usc 1692g failure of validation of debts. According to 15 usc 1692k, I am invoking my specified remedy for actual damages of {$1000.00} per violation which totals up to {$3000.00} total, and removal from my consumer report ( XXXX, XXXX, and XXXX ) The company has violated 15 usc 1692f ( 1 ) which states that they can not collect a debt unless the amount is expressly authorized by the agreement creating debt.
03/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93030	Web	Servicemember
I received Bills from Grant Mercantile Agency , Inc phone XXXX/www.paygma.com/ address : XXXX XXXX XXXX, XXXX, CA XXXX, for a medical bills for {$340.00} from original creditor XXXX XXXX phone number XXXX. The collection agency account number for this bills is XXXX, creditor ref # XXXX. Last Charge at Creditor is XX/XX/XXXX. I did my research and track this down and I found out that this medical facility is in XXXX, CA and we live in XXXX which is 3 hours drive apart. I've never been to this place. When I called and talked to them, they're saying that they do really have a records of me making an appointment and said that I missed my appointment. And they also said that just talk to the Collection Agency. Like I said, I don't know this people, I've never had business with them, they are 3 hours away from where I live, this could be also a Identity Theft, and that is what I'm going to do is to report a ID Theft for this fraud. Thanks for your help.
04/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I never owed this amount to the original business. On XX/XX/XXXX, I was sent to XXXX XXXX XXXX to have XXXX done of two sections of my XXXX. My policy clearly states that my responsiblity for XXXX charges are {$50.00} per visit. Since the XXXX occurred during one visit to XXXX XXXX, I should have been billed {$50.00}. XXXX XXXXXXXX never issued an invoice to XXXX, my health insurance plan, and XXXX never sent me an EoB. I gave it time to work itself out, but it never did, and ended up in collections. I spoke to a XXXX rep on XX/XX/XXXX, who was going to escalate the matter and have someone from XXXX follow up. I never received a follow up. On XX/XX/XXXX, I spoke to another rep at XXXX, and she confirmed my responsibility of {$50.00} for the XXXX. During my call, she placed me on hold and spoke to reps at Grant Mercantile, XXXX XXXX, and the XXXX XXXX XXXX. XXXX XXXX agreed to re-bill XXXX for the procedure, and that my responsibility is {$50.00}.
11/22/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91104	Web
Grant and Mercantile Agency are sending me letters on XX/XX/2022 saying I owe them {$140.00} because of interest charges when I had already paid off what I collected months prior on their app called XXXX. Ive been disputing them and showing I paid on time ( despite them trying to take money unauthorized out of my bank account at XXXX ), but they are now sending me letters saying I owe a completely ridiculous amount for interest. I looked online to check my credit from a link given to me from my bank and the XXXX XXXX said they would be cleared from my credit report but they keep popping up every time I get them cleared and sent me the letter two days after I got them cleared. I did further research and found out other people have also had an issue with them and have been scammed out of thousands because this company makes up random absurd expenses and tries to force you to pay them on their sketchy website. I called and no one answered as well.
01/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 902XX	Web	Older American
Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.
07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web	Servicemember
I pulled my credit reports today, XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. This is also a violation of HIPAA. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. The original creditor if necessary shall also acknowledge the debt to be removed and considered paid in full.
03/10/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
10/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
debt is currently listed with Grant Mercantile Agency as of XX/XX/2017 for {$1500.00} on behalf of original creditor XXXX XXXX company. This is NOT my debt and they have nothing tp identify it as my debt. After repeated calls to both collections and original creditor asking for identification as proof of debt-neither company is able to provide that claiming that they do not habe it and do not need it. I have never been sick a day in my life and never used an ambulance or any other medical transportation in my life. This is NOT my account and I am asking that it be closed and removed from all of my credit reports. Next step will be to get attorney and ask for damages. This is not right to be charged for something I have never used. it is NOT my account. Either show me the identification used to obtain this account or remove it from my credit reports please.
09/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number XXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. this company add a different amount and different dates in XXXX report it was reported XX/XX/XXXX when previous report the company was going comply by deleting this account from my credit report XXXX. previous complaint XX/XX/XXXX complaint file # XXXX Date Assigned XX/XX/XXXX GRANT MERCANTILE AGENCY Account Number # # # # # XXXX Original Amount Owed {$3300.00} Amount {$4000.00} XXXX XXXX
09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 913XX	Web
I received a collection notice from Grant Mercantile Agency in XX/XX/2021 regarding a debt of {$300.00} from XXXX XXXX XXXX XXXX XXXX. This should have been paid by insurance, so I reached out to the XXXX XXXX XXXX XXXX XXXX to see why it was not and was informed they never sent it to my insurance, as they had inaccurate insurance information. I was told they would bill the insurance company and it would be taken care of. I didn't hear anything back and on XX/XX/2021 Grant Mercantile Agency again flagged my account as collections. I have not received any written or verbal communication since I addressed the issue in XXXX. I only now am aware it is once again in collections because of checking my credit report. I don't understand how this is back in collections, if it was sent to my insurance company and there has been no further communication.
04/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93711	Web
I was a victim of identity theft and provided XXXX with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if XXXX were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from XXXX regarding my report. I then called XXXX back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.
07/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93726	Web
As an employee my job is to XXXX XXXX to their XXXX XXXX. The child was underage and to be seen she signed my name on the documents. I am not the patient, I am not related, I am just an employee of an XXXX XXXX XXXX XXXX in a XXXX XXXX. I was billed for medical expenses for account number XXXX for the amount of XXXX and for XXXX XXXX XXXX XXXX. I am not responsible for these bills and would appreciate my name being taken off any statement regarding this child. I work for an XXXX that should be billed and you can bill the company not the employee or her medical information. I did not allow or give the child permission to use my information to be seen by these medical professionals. I do not want my credit score or personal information affected by this as I work very hard to be in good standings financially.
02/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 919XX	Web
I have been receiving phone calls emails and mail stating that I owe XXXX. Dollars as a collection for XXXX XXXX I tried reaching out to XXXX XXXX grant mercantile to explain that I have no knowledge of this and I have never used XXXX XXXX transportation for anything. I also let them know I have been missing my id for over a year and have had similar situations they have since charged me interests and now are asking for over XXXX dollars. They have also reported to credit bureaus and has caused my XXXX XXXX to suffer tremendously. These text messages, phone calls and emails have been bombarding my inboxes and have caused me to stop answering my phone This account is not mine and was fraudulently opened. And now they are trying to make me pay for it. Please can you help solve this issue.
09/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90047	Web
I received a bill from XXXX XXXX for about {$2300.00}. I phone the Ambulance company, gave them all my information in hopes of getting help. I also informed them, I had not received any services from their company. I asked them to send documentation of services and any and all signed documents-They could not supply any documentation. I noticed my credit score dropped and to my surprise they referred me to a collection agency. Grant Mercantile place a collection on my file. I disputed the collection with all 3 credit reporting agencies. XXXX and XXXX were deleted XXXX kept it on. I have disputed this idea twice with XXXX and phoned them. They said it will remain, yet gave me no satisfaction as to how it was verified. I contacted the company asking for proof I received nothing.
06/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92115	Web
Grant Mercantile Agency has for as far back as XX/XX/XXXX and again on XX/XX/XXXX frauduently reported a dept being in collection status begining at {$1000.00} and now {$1200.00} They had none of my correct personal information on file until I contacted them not even a correct name. All they had was a mailing addess. They have been reporting this for years and have done no due diligence to see if they were assigning the debt to the right person. I have contacted them, they know that the debt is assigned to the wrong person and are not voluntarily removing the debt. I believe that makes it fraud at this point. It is possible that someone may have given false information to this creditor at the time of service, but it was not me and I have made them aware of that.
01/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 936XX	Web
I am unable to get all reports EXXXX XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. XXXX has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as XXXX XXXX payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 2009
02/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92841	Web
I contacted the debt collector Grant Mercantile Agency to pay off my debt. They gave me an amount of XXXX to pay off. I contacted the original creditor ( XXXX XXXX ) to pay the debt off. They then proceeded to contact the Grant Mercantile Agency and the amount had escalated to XXXX. The shock and the anger of raising my debt XXXX dollars in a span of 20 minutes was insurmountable. I got in touch with the billing director at Grant Mercantile Agency, after weeks of phone tag I finally paid the original amount. However I have not received any written notification nor email that the debt has been resolved. Also it is still reflecting on my credit report. My credit report has been updated twice since XX/XX/XXXX. This whole situation has been truly frustrating.
04/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
Grant Mercantile Agency , Inc. I am writing this letter to inform you that I, ( XXXX XXXX ), am not responsible for the outstanding bill for the ambulance services that were provided to me on XX/XX/2022. As you may be aware, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day and suffered severe injuries, which required immediate medical attention. The accident was caused due to the negligence of the other driver, and I hold them responsible for the incident. As a result of the accident, I had to be rushed to the XXXX in an XXXX, and the XXXX XXXX were necessary to ensure my timely and safe XXXX XXXX XXXX XXXX. However, I want to clarify that I am not in a position to bear the cost of these services since I was not at fault for the accident.
08/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93722	Web
On XX/XX/19 and XX/XX/19 I called Grant Mercantile Agency to obtain a statement of what was owed and what has been paid. I have two seperate accounts niether of which they can explain why I'm overpaying on.they do not send reciepts of payments. They did send me a letter that the account was paid in full with no amount on it. I I feel they are overcharging me. 3 different employees stated " they do not do that '' they can verbally tell me what I paid but can not send me a written statement to match my bank statements. I asked for the supervisor and she placed me on hold came back less then a minute and said the supervisor said she can not send a statement they do not have the system for that. This is not right, it seems very shady to me.
06/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 91104	Web
I was contacted by Grant Merchantile agency in XXXX regarding a medical debt that I did not recognize. After 4-5 attempts to get the information from the agency, they finally provided proof that the services were rendered to my daughter. When I received the information, I realized that the provider failed to bill my insurance and never contacted me regarding the debt. The provider then sent the account to collections XXXX months after the service was provided. I am disputing that I owe the full amount of this bill, I had insurance which was furnished to the provider at time of service. I should not be held liable for the full amount of the service because of their inability to bill the insurance or contact me in a timely manner.
03/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93308	Web
Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.
05/24/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 93727	Web
on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit
05/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87123	Web
Grant Mercantile Agency Inc. has purchased a debt that does not belong to me. 1. This is not my debt. 2. All expenses related to this accident were paid by my Companys insurance carrier, XXXX XXXX. I gave Progressives information to the ambulance Co. personnel on XX/XX/2019. 3. Company contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX 4. Additionally, This is not a legitimate charge. I did not call for the ambulance. The ambulance personnel took no vitals. Provided zero care for me. I told them they were not needed, and could depart the accident scene on XXXX XXXX. I assume the XXXX, CA XXXX operator dispatched this rig. This service was never requested by me.
12/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 953XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
GRANT MERCANTILE AGE Original creditor : XXXX-XXXX XXXX Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Account Info Account number # # # # # # # # Collection opened XX/XX/XXXX Account type Collection Department / Agency / XXXX XXXX on XX/XX/XXXX {$4100.00} Paid off : 0 % Original loan amount {$3100.00} Current Balance {$4100.00} Additional info Comments Account information disputed by consumer Your statements I have never heard of the XXXX company or have ever been in an XXXX. I have never received a bill or any correspondence of any type from either original creditor : XXXX XXXX or collection agency GRANT MERCANTILE AGENCY. The first time I heard of either was when I checked my credit report.
06/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94521	Web
On XX/XX/2020 I was transferred via XXXX XXXX from XXXX XXXX in XXXX XXXX to XXXX XXXX XXXX and am responsible for a Co-Insurance of {$1000.00}. Unfortunately, the bill was transferred to collection agency and interest charged, currently at {$69.00}, Per the FTC, they may not try to collect interest, fees, or other charges on top of the amount you owe, as stated in the original contract. Interest is illegally charged and I will not pay. I have paid in full the principal balance. I expect the account to be closed. I did send a letter to both XXXX XXXX and Grant Mercantile Agency detailng as such and their practices were illegal, but did not receive a response or acknowledgement,
11/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92083	Web	Older American
I was in the hospital from XX/XX/17 thru XX/XX/17. For medical insurance I am double covered. Every bill for that 5 days has been paid but these two : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$160.00} Both bills are trying to be collected by Grant Mercantile Agency , Inc. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. As stated before, I was doubled covered by XXXX which I no longer have information for. The other is XXXX member no XXXX XXXX case no. XXXX. Both of these bills are in collection because of insurances not being billed correctly. I am on XXXX XXXX and don't have the income to pay these bills.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92037	Web
I received a wrongful debt collection on my credit report without any notice. The data is it showed up on my online report is XX/XX/2022, and the amount is {$190.00}. The debt collector is GRANT MERCANTILE AGE. I didn't receive any form of communication from them - mail, email, or phone. I am certain that I didn't own any debt cause every XXXX of my spendings is paid immediately afterward and my hospital bills are all covered by my school insurance and I did pay whatever is left on their system. Hence, it is impossible that I owe any debt to any institution. Wondering if I can get some help to remove the item from my credit report.
08/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 336XX	Web	Servicemember
XXXX has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. The creditor Grant Mercantile continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.
04/18/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 94112	Web
I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called XXXX XXXX , which gave a service date of XX/XX/2016 on a statement I received from them dated XX/XX/2016 , to which I replied on XX/XX/2016 telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.
04/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93662	Web
I had an eye exam with XXXX XXXX XXXX in XXXX, CA in 2017. They told me that I needed XXXX XXXX XXXX XXXX XXXX and was sent to XXXX in XXXX, CA for the XXXX XXXXXXXX. The billing department at XXXX called my husbands vision care provider XXXX XXXX for an approval and was accepted. After I had the XXXX, I think I received a phone call from XXXX billing department telling me that the insurance did not cover the procedure. I do not agree with the balance because I was misled by XXXX and agreed with the XXXX because they told me that the insurance company would cover most of it and I would only be responsible for the deductible.
06/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92649	Web
Grant Mercantile age has 4 bills open up on the same month and day XX/XX/2018. I have tried to talk with them and telling them that is not mine I have filed a police report it was my sister she has all of my information and I have press charges on her so when I talked with the company they were very rude, so I filed small claim court paper to take them to court and someone called me from there company and told me that they would take care of this so I never went to court thinking everything was going to be okay, so now they have put 4 collection on my credit report there was only 2 before I was taking them to court
06/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 93612	Web
I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act
09/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 336XX	Web	Servicemember
Original complaint filed on CFPB under complaint number XXXX still not resolved. After weeks of back and forth with the company that failed to respond to the insurance company before applying this debt to my credit I have now resolved this matter on my own by being the middle person between the insurance and XXXX. The debt is paid and the item as stated by Grant Mercantile/Americare is to be removed as a courtesy. Being that this was out of my hands to begin with due to the company failure to do their due diligence I would like the removal taken care of ASAP. Company has now been paid and nothing is owed.
07/31/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94122	Web
I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
06/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94585	Web
On XX/XX/2020 GRANT MERCANTILE AGE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRANT MERCANTILE AGE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
05/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90260	Web
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77494	Web	Servicemember
Grant Mercantile Agency added a derogatory mark on my credit report per XXXX XXXX, upon further research, this is not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Grant Mercantile Agency has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
07/28/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91001	Web
On XX/XX/2019 I was hit with a collection on my credit report. I called the phone number associated with the debt and realized it's the same number that's been calling and harassing me with legal action. They even tried to trick me into giving them certain info for them to use against me in court and after all that, they still never told me what the collection was for. They even told me they have certain records they could pull that'll give them the upper hand in court. They're still calling, now from multiple numbers ( which I have to answer sometimes since I work from my phone.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60419	Web
On XX/XX/XXXX, I made a complaint to the reporting credit bureaus that Grant Mercantile was not reporting that I had previously disputed this account. According to the FCRA 's policies, under this guise, Grant Mercantile should have deleted the account. Instead the organization updated my credit report with the complainant information. On XX/XX/XXXX I checked my account and noticed that a monthly payment was being reported by Grant, but I do not have a contract between Grant and myself. I am requesting that this account be deleted due to monthly inaccuracies being reported.
09/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93710	Web
I received a notice from your company to my mother 's mailing address that is not my mailing address for a debt that I never received an invoice for. I do not have an idea of who XXXX XXXX XXXX is and I have not received an invoice to my home mailing address which is the address I use for everything. I would like to find out who this company is that is charging me XXXX. I can pay the money if needed, but I should not be getting sent to a collection agency when 1. I have not received a bill and 2. the address used to send me to collections is not even my mailing address.
10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 959XX	Web
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XX/XX/XXXX ; or XXXX, from XX/XX/XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had Medicare since XX/XX/XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
08/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93555	Web
Original debt was {$2900.00} no interest charged have bills from XXXX XXXX dated XXXX/XXXX/2018 Collection company bill dated XX/XX//2018 showing principal {$4900.00} interest {$150.00} total due {$5100.00} reported to my credit report I disputed it but nothing was changed I don't know how the principal amount due went from {$2900.00} to {$4900.00} in one day of it arriving in collections. I have attached the bills so it is clear that something is not right I am not understanding how now it is {$2000.00} above what was originally owed.
09/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89119	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
Currently, I am making formal complaint this credit union because they close checking account in XX/XX/2020 for no reason. I was with this credit union for 2 years and never had these problems.This was despite depositing XXXX dollars into my account. I left my savings account open. In addition, they put me in collections on XX/XX/2020 for XXXX for no reason. They didn't sending me anything explaining why they close my account or why they put me in collection s.I would like this credit union to stop trying to ruin my credit overall.
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89118	Web
On XX/XX/2022 They are stating the amount owe {$2900.00} now the amount has increased to {$4400.00} I write have Grant Mercantile Agency requesting them in writing to send me a letter method of verification used in original contracts. As of today they have not sent me original contact signed. I sent round of letters the account still remain and have nor been fully validated. I am asking for help with your department to look into this. They have increased the amount monthly. This is hurting my credit a lot. Thank you XXXX XXXX
10/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 959XX	Web
An ambulance company ( nobody now is clear on whether it was XXXX XXXX in XXXX XXXX, from XXXX ; or XXXX, from XXXX ; anyway ... ) sold a debt to Grant Mercantile Agency ( XXXX XXXX XXXX ; XXXX, CA XXXX ; XXXX ). If in fact I was in an ambulance of theirs for any reason, and that is indeed how they collected my information, the point is, I have had XXXX since XXXX and they would have covered any ambulance pick-up or transport -- THIS IS NOT MY DEBT! I had insurance, they knew it, and I never should have been personally billed.
07/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93710	Web	Servicemember
XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.
09/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
Date Assigned XX/XX/2021 GRANT MERCANTILE AGENCY Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that i woe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
12/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93612	Web
I have a collection from grant mercantile age, account XXXX I have already disputed this account and its not being removed from credit report, I did some research and I found out you violated the hippa law for consumers rights, since your a debt colloctor you shouldn't have my medical records, I already talked to a F.c.r.a attorney who will taking my case to sue. we are requesting your delete this account from XXXX, XXXX, XXXX, doctor XXXX XXXX XXXX did not fix my XXXX and wants to charge me. that's crazy
05/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90266	Web	Older American
XXXXXXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX checking to ambulance co, XX/XX/XXXX, and then paid {$46.00}XX/XX/XXXX. Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. Please help
02/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 91103	Web
I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.
01/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
Collection agency is reporting collection on my credit report for medical bill from XXXX looks like from XXXX ca. I was not living in XXXX, CA in XXXX 1st time I moved to XXXX was in XXXX, XXXX XXXX.. Prior to that I was living in Wyoming with my family. so my self or my family would not have gotten medical treatment in XXXX, CA. 1st delinquency date is XX/XX/XXXX. i did not receive any communications from XXXX XXXX XXXX to my address in Wyoming. or after moving to California in XX/XX/XXXX.
06/20/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92064	Web
Per credit report from XXXX dated XX/XX/18. Grant Mercantile Agency has opened ( 3 ) Collection accounts on my credit, each in the amount of {$3300.00} ( all duplicate ) for a total of {$9900.00}. This is either an error or fraudulent activity by Grant Mercantile Agency. I will authorize 30 days to Grant Mercantile to correct the error. If not corrected by XX/XX/18 a lawsuit will be filed against Grant Mercantile Agency for all damages incurred for this error and/or fraudulent activity.
04/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95630	Web
Received a bill for ambulatory service ( {$3400.00} ) and disputed the bill, have not heard anything since the written dispute and just received an email from XXXX that I have a collection showing on my credit. They should be required to notify us the status of the dispute so that we have a chance to pay the debt before going to collections. The ambulance service on XX/XX/2021 was for a minor child that was not needed and when we declined we were told we did not have the option.
01/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94134	Web
I checked my credit report and discovered I had an ambulance collection for {$620.00} that does not belong to me. I sent the company listed a debt validation letter which they received XX/XX/XXXX of 2021 through XXXX. In the debt validation letter I outlined and asked for proof that this debt belonged to me. In return later in XXXX, 2021 I received a letter from the company simply just stating that the debt belonged to me but without providing any proof that it belonged to me.
03/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95370	Web
I received a statement from Grant Mercantile Agency on XX/XX/18 stating that I owed {$190.00} to them. The statement date was XX/XX/18. I called my local hospital on XXXX and they informed me that I do not owe anything and they haven't sent any bills to collections. So, I am receiving statements of debt that I do not owe and that do not belong to me. I would really appreciate any help to be rid of this agency that is making up debts in my name that do not exist.
01/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 479XX	Web
This was debt was paid by my insurance company which I have attached was paid to XXXX XXXX in the amount of {$680.00}, and I have filed numerous disputes with XXXX regarding this account from XXXX XXXX XXXX, however this has been paid and submitted to XXXX XXXX XXXX with a Certified Letter which I have verification they received. I would ask that you please ensure that this Collection Agency remove this erroneous item from my Credit Report? Thank you.
03/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95020	Web
The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 94134	Web
Apparently I got charged for an ambulance from Grant Mercantile which they did not sent the bill to my home address, to find out from my credit score that I have a closed account. I contacted the hospital and talked with a guy and a lady both on different dates for not mailing me the bill. They say a lot of things that sound useful and helpful but is sad because is not true. I need to help to get the bill send to my address please. Thank you!
03/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98902	Web
I was checking my credit report and a derogatory mark appeared for a balance of {$730.00} from XX/XX/XXXX and was just reported on XX/XX/XXXX. I have not received anything in the mail, nor have I received any emails or phone calls regarding any sort of derogatory mark. This now says that the amount has been " Placed for collection. '' If I would have not checked my credit report I would have never known that this was ever out there.
07/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92672	Web
XXXX of this year, 2019, a collection for {$300.00} was removed from my credit reports after being removed, previously, re-aged and reissued, by Grant Mercantile Agency. XXXX it was reissued on my credit reports. I've disputed the debt with the original creditor, through the bureaus and with Grant Mercantile Agency several times and they continue to engage in this abusive activity in violation of the FDCPA.
12/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93706	Web
I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.
02/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93726	Web
This report is on my credit statement. I spoke to the debt collector and they directed me to this website. This account does not belong to me and does not represent a debt that is owed by me. I have not had any medical imaging done on or around the dates that are listed back in 2017. This is fraudulent and I will not allow this to be in collection from me. XXXX XXXX XX/XX/2017 XXXX {$120.00}
11/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92264	Web
This false debt on my credit report has been listed three times in different amounts owed from the same company. Your organization contacted GRANT MERCANTILE AGENCY and removed 1 of 3 filings. Why the collection company did not remove all 3 derogatory comments on my credit report at the same time for the same false collections amount is confusing. Can you please help resolve this matter?
06/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92571	Web
Great Mercantile Agency has initiated a negative credit collection on all credit agencies but i have no knowledge of any debt owed to them or any other entity as i have paid any and all debts. Therefore, this is either fraudulent or a grievous mistake by Great Mercantile Agency. This claim must be removed from all credit reporting agencies please as it is groundless. Thank you.
10/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
We received a call from Grant Mercantile Agency Inc., a collection agency on Friday XXXX XXXX stating that I owe them {$750.00} for the XXXX bill that was due from XXXX XXXX XXXX XXXX. During the call we mentioned that our Insurance company took care of the bill and we received a confirmation letter from Grant Mercantile Agency stating that the account has been paid in full.
06/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85248	Web
Sometime in XX/XX/2023, I realized a unknown collection account added to my credit report. Grant Mercantile Agency is a collection agency I am unfamiliar with. XXXX XXXX is the original creditor and I have never received a medical bill in my life yet alone been to the hospital. Someone has stolen my identity as well as put numerous unauthorized credit inquiries on my credit.
01/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 751XX	Web
Debt amounts are questionable. I ran my credit report and seeing 4 medical debts from grant merchandise agency. 2 debts from kings collection. Grant merchandise is claiming I have 6 debts from them but im only seeing two debts being reported from XXXX. 4 from XXXX and none from XXXX. The amounts are not consistent from what I owe and would like them verified.
12/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 932XX	Web
Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.
12/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	RI 028XX	Web
I had a small debt of {$50.00} for a medical co pay for an ambulance transfer. The debt was paid to the company and the check was cashed. I received a collection letter from a collection agency stating that I owed {$53.00}. Not only was the debt paid, the company had no right to charge another {$3.00}. I find this practice unfair, deceptive and predatory.
09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95350	Web
Ive disputed this {$410.00} collection with XXXX and it was removed, it will not allow me to dispute with XXXX and is telling me my information is incorrect and this is stopping me from buying a home for my family and need this removed immediately and have no idea what this is. I never received a bill or proof with my signature that this is even my bill
08/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93722	Web
Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 951XX	Web
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
04/18/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33578	Web	Older American
I have XXXX collection notices from Grant Merch. The submission dates were XXXX, XXXX. Grant refiled the accounts to XXXX to represent that they were new starting XX/XX/XXXX. This was purposely done to ruin my score, allowing the entries to remain on my accounts an additional three years in a violation of the Consumer Credit Reporting Act.
08/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93711	Web
I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.
10/26/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85037	Web
I called Grant Mercantile Agency debt collector to verify company since I never received a bill for this amount from XXXX XXXX XXXX. I have received and paid other bills that have come in the mail from XXXX XXXX XXXX. When I asked for the company license number I was put on hold and then told I was n't allowed to have that information.
05/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90802	Web
Grant Mercantile Agency fraudulently attempts to collect on corporate debt. This debt is corporate debt and I am not legally liable. I have informed Grant Mercantile Agency representatives to no avail. Additionally, they are in violation of HIPAA. I request immediate removal from all credit reporting agencies and an updated report.
12/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46203	Web
15 USC Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93611	Web
On XX/XX/2019 I submitted a dispute for these accounts GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but XXXX claims they verified the accounts.
07/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93654	Web
This was not mine, when I called they did not even have my date of birth attached to this account. They advised me to come here to fill out this paperwork. Representative that I called today ( XX/XX/2022 ) said that she didn't show this debt was attached to my date of birth and to dispute and send paper work to them.
12/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 93612	Web
To Whom it may concern on XX/XX/2016 I made a police report and FTC Affidavit and some documents supporting my claim explaining the Identity Theft that occurred on my credit report. All companies followed the law and removed the Fraudulent accounts from my credit report except Grant Mercantile Collection Agency.
06/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91001	Web
There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. This is erroneous billing and needs to be removed from my Credit Report ASAP.
12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91754	Web
Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80233	Web
Grant Mercantile ( debt collector ) listed that I had a unpaid debt that was on my credit report from an XXXX XXXX who used my information fraudulently. The Unpaid debt that had a negative impact on my credit report was for an XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$2600.00}.
10/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
Upon checking my credit i noticed a collection account on my file from Grant mercantile agency claiming i owed for a medical debt from XXXX California XXXX XXXX. I have always had medical insurance so i do n't know how this could have been forwarded to them for collection.
01/21/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93711	Web
I have been going back and forth with this collection agency and XXXX credit bureau about a collection that is not mine. Grant Mercantile Agency has a collection for {$55.00} and they refuse to remove it. Every month they have been adding on {$1.00} to the balance.
04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93619	Web
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93619	Web
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93619	Web
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93619	Web
This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
01/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
I have no acknowledgement about and also im going thru the identity theft as of now. Grant Mercantile agency, stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it
03/20/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93711	Web
The medical debt collector is adding finance/interest fees to the original amount, and reporting an inaccurate balance on my credit reports. I called they couldn't sufficiently explain why they're charging interest on this medical debt.
11/17/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94102	Web
at the time the situation occured i was not aware of the finaicial burden it was going to create for my life and for my credit now i am homeless and not finiacilstable to pay this collection that has rising XXXX up for the debt
04/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93306	Web
In collections for a medical bill. That I never got notice I could settle couldn't afford at the time the medical bill and never got warning they were sending me to collections until I was already in collections.
11/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93612	Web
I HAVE A COLLECTON FROM GRANT MERCANTILE AGE ACCOUNT NUMBER XXXX THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, I DO NO NOT OWE THIS COMPANY ANTHING AND I DONT HAVE A CONTRACT WITH THEM, IM GON NA SUE
04/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 937XX	Web
I have sent all additional information asked of me. Under California law as a victim of identity theft I would like to have this removed from my credit report and reporting agencies reporting it.
02/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90746	Web
in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.
07/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92404	Web
I received a bill from XXXX XXXX for sum of XXXX. I would like to file for identity theft. I was not the patient at the time service. I have a full time job and live in a different county.
08/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91030	Web
I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s ) mainly XXXX!
01/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92571	Web
I have continually advised Grant Mercantile Agency that this is not my debt, that I have medical insurance and that I have never been to the location they allege services were provided.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 93727	Web
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
06/23/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 95815	Web
In XXXX I was getting calls from them a little bit and I asked them to stop contacting me and then they proceeded to flood my phone with different numbers threatening me.
05/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
XXXX XXXX. Amount for XXXX. Date of indentity theft XX/XX/2022. I was told over the phone that it would be taken care of but just received a call saying opposite.
03/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76502	Web
I have never been treated by XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.
10/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93727	Web
I'VE BEEN A VICTIM OF IDENTITY THEFT AND NOTICED COLLECTION ACCOUNTS REPORTED ON MY REPORT THAT ARE A RESULT OF THIS.
10/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91801	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93706	Web
Grant Mercantile Agency and the credit bureaus are reporting erroneous information on my credit report.
01/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33578	Web	Older American
Debt was discharged per prior complaint. But has not been communicated to credit any credit agencies.
08/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 701XX	Web
Im completely unaware and have NO KNOWLEDGE of all hard inquiries and collections accounts.
01/19/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77068	Web

01/15/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90606	Web

01/03/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 93561	Web

12/20/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60419	Web

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75039	Web

10/14/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77073	Web

05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94118	Web

04/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90266	Web

04/13/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 92595	Web	Servicemember

04/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90266	Web

02/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	HI 96701	Phone

12/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93704	Web

11/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92264	Web

11/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92532	Web

10/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95742	Web

09/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NV 89701	Phone

09/07/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91106	Web

08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92115	Web

07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95667	Web	Servicemember

07/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46947	Web

07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91901	Web

07/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94109	Web

06/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92562	Phone	Older American, Servicemember

04/21/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	VA 24014	Web

04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 52361	Web

03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NC 27603	Web

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90069	Web

01/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94531	Web

12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

10/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92102	Web

09/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 34761	Web

08/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Web

07/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91767	Web

07/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92831	Web

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89034	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60619	Web

04/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 37066	Web

03/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91740	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93622	Web

01/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95258	Web

12/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95337	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85712	Web

11/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33635	Web	Servicemember

09/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 96003	Phone	Older American

08/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92036	Web	Older American

08/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92071	Phone	Older American

08/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 93703	Web

07/07/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94947	Referral

06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94947	Postal mail

04/15/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46947	Web

03/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76502	Web

03/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92056	Web	Older American

09/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93711	Web

09/09/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 93705	Web

08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 95204	Web

08/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 91775	Web

07/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94014	Referral

07/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 64114	Web

06/24/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 90807	Web

06/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91117	Web

04/30/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92586	Web

04/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92584	Web

04/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91326	Web

03/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93501	Web

12/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93637	Web

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93644	Web

10/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 90744	Web

10/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93257	Web	Servicemember

10/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92563	Postal mail

10/09/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 93722	Web

07/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77055	Web

06/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 91001	Web

06/08/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 94551	Web

05/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 90275	Web

04/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46341	Web	Older American, Servicemember

02/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 90249	Web

01/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93729	Web

01/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32839	Web	Servicemember

12/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95148	Web

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90065	Postal mail

11/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 91011	Web

11/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93630	Web

11/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 93710	Web

11/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93729	Web

11/17/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91307	Web	Servicemember

11/01/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

10/17/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94578	Referral

08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90301	Web

08/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90059	Web

07/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93714	Web

06/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

05/24/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	CA 93614	Web

03/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93612	Web

03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91360	Referral

03/20/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 93644	Web

01/31/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90303	Postal mail

10/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93060	Web

09/02/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 91107	Web

08/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93720	Web

07/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90606	Web

05/10/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 90623	Phone

02/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93730	Postal mail

09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 95321	Web

09/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93611	Phone

04/08/2015	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 93625	Web

03/04/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95222	Web	Servicemember

02/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20748	Web

02/12/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 93711	Web

02/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90033	Web

11/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93654	Web	Servicemember

11/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 93654	Web	Servicemember

11/22/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90042	Web

11/19/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CA 93722	Web

10/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 90746	Web	Servicemember

09/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93612	Web

05/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35758	Web

03/18/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 90293	Web

02/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 93711	Web

09/17/2013	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 94102	Web

09/11/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 91505	Phone

09/11/2013	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	CA 91505	Phone

08/21/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OR 97702	Web

07/25/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 93447	Postal mail