Merchants Acceptance Corp CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/03/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 925XX	Web
The only dates that I have on hand at the current moment is today, XXXX XXXX XXXX and a previous date of XXXX XXXX XXXX . I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a XXXX XXXX where my contract was voided since XXXX did n't keep up on their part and I returned the vacuum to them. On XXXX XXXX XXXX I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA USPS and if there was any issues to give me a call on a number I provided. On XXXX XXXX XXXX - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named XXXX that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via USPS - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up. I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.
07/11/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98204	Web
My husband and I are currently paying our XXXX loan through Merchants Acceptance. We elected to move a monthly payment forward and we were not asked to repeat or confirm our card number. Due to the payment being scheduled for the weekend it would not run until the following Monday, which I confirmed on the day the payment was scheduled, and again nobody verified or asked me to confirm my card number. Our payment never went through and when we called the next day we were told the card number was invalid. Confused, based on the fact that we have the same card for all automatic payments on file and nobody confirmed the card number ( which had been done on every previous call to the switching of this specific payment. The representative, XXXX, read the wrong card number that was entered, and then read the correct card number after. The last 4 digits slightly different. I asked for a manager and was told that not only were there no managers, but also no compliance team or HR department. The representative then continued to cut me off and place me on hold in the middle of my sentences. There were points where he raised his voice, I exclaimed that I was not being aggressive towards him so he does not need to do so towards me. He then stated he was n't yelling, immediately placed me on hold to get to another representative. The man who jumped on the line was XXXX, who did not clarify he was not a manager, like I had asked for. He began in a matter of fact tone telling me that he will listen to the call and check on the NSF fee. If I had not asked him if he was a manager I do not think he would have told me and would have let me believe under false pretenses that that was who I was speaking with. I asked if they had anyone who handles CFPB/FDCPA complaints and the representative became very defensive. He would not let me finish a sentence and would raise his voice higher and higher as I tried to speak. They informed me that a 'manager ' is only present after XXXX XXXX and would not be able to assist me in any way.
04/13/2023	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 32305	Web
I received a response form the company Merchants Acceptance about an account reporting on my consumer file. I ask for validation of debt. I received a printout of a contract with a generated signature. After further study of the documents, the signing of these documents was done in XXXX Florida, and I am a resident in XXXX fl. the address on the contract was an old address where I have been reported identity theft. The alert is still on my file today. the company 's argument is that the email address that they have for me is the main email address on my consumer file. That is not proof that this debt belongs to me. Also, with the continuing increase of the balance on the account, the company argues that in the contract it states that they are allowed to add interest to a charged off account, however by law if this account is mines i should be receiving statements of the changes being made on the account if it's still open and or charged off. I have not received any statements or information on this company until i started my dispute. Also, if my email is their arguing point i should have been informed in that manner at least, but again I revived nothing but a computer-generated contract that does not have my signature. I would have had to be in person to sign this contract, my email address is not proof. There is also no comply of my id, I should have had to prove my identify in some way doing a contracted sell. The account is also still reporting inaccurate information as to the status of the account, the account can not be open, closed and charged off, with different balances. Again, I have no knowledge of this account or contract with this company and i will pursue further actions. The contract also states that the buyer is approved upon a credit check, the contract does not list my social or even the last four, how was this approval granted? there are no inquiries that I could find from this company on my credit report. this debt is not validated.
07/28/2022	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CA XXXXX	Web
I had a account with XXXX that went into default in XX/XX/XXXX. I had decided to return the vacuum cleaner to the company and placed it on my front porch for pickup. The XXXX rep stated they never received the vacuum. The account was charged off and sold to the collection agency Merchant acceptance. My contact with Merchant acceptance was minimum since I did indeed leave the vacuum on my porch for pickup. Today XX/XX/XXXX my mortgage lender informed me that there is a civil case against me from Merchant acceptance, however, I was never served nor informed of any court proceedings and or the intent to sue. I verified the case online at the XXXX county court online. I called Merchant acceptance today XX/XX/XXXX and they said I was indeed served in XX/XX/XXXX. I informed them that I was never served and had absolutely no knowledge of the legal proceedings. The Merchant acceptance representative said the party that supposedly served me gave them a description of me. The Merchant acceptance representative said I was XXXX, I was XXXX ft XXXX, XXXX pounds, with XXXX hair, XXXX eyes, and am XXXX. However, on XX/XX/XXXX I had XXXX hair with a small amount of XXXX at the back of my head, I was XXXX pounds, and I am XXXX ft XXXX. He asked if maybe 1 one of my daughters answered the door and accepted the court papers but my children were XXXX and XXXX XXXX XXXX. I asked the merchant acceptance representative if he could do anything about this since its illegal and he said there is nothing that can be done because they paid someone to serve me and the person signed the court document under penalty of perjury but that does not change the fact that I was never served nor did I have any knowledge of the court proceedings. I would like this account to be removed from my credit report and the civil case dismissed since the notice of service was a forgery.
01/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98223	Web
My wife and I pulled all 3 of our credit reports to find out what was showing on them, as we hadn't done it in a long time. We were shocked to see accounts that we do not recognize, including companies we've never done business with. One of these was : Merchants Acceptance Cor The address listed on the credit report is : XXXX XXXX XXXX XXXX, WA XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA . I have attached the letter with my complaint, for both my wife and myself. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipts '' so that you can see the tracking of this letter. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 54 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. Please note that before sending the validation letter to this company, we also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Merchants Acceptance Cor have NOT removed this account from my credit reports, or have sent me any kind of validation. We request for this company to remove this account from our credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
09/29/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AZ 85209	Web	Servicemember
In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.
05/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95632	Web
On XXXX .13 I trie d to get a XXXX under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the XXXX instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The XXXX sales team are frauds that practice fraudulent behavior.
08/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98513	Web
Merchants Acceptance sued me for a debt that they can not prove is mine, and I was not contacted prior to doing so. They began garnishing my wages in XXXX of 2019 and after the garnishments went through I contacted them trying to establish that this was indeed my debt and they had no proof except my information. I requested copies of documents, contracts, my identification that was provided when this contract was initiated and they would not give me anything. Then after collecting almost {$1200.00} from me they stopped responding to my communications, and sued me again ; adding additional fees and making the balance more than what it was to begin with. Now, they are garnishing my wages for almost {$500.00} a paycheck, which began XX/XX/2019. I called and I was treated terribly. They continue to garnish my wages, add fees and additional charges. The debt is 7 years old and not mine. I have contacted them to try and work with them and they are deceiving and will not work with me. The continue to send the mail to the wrong address when I have provided them all of my contact information. I believe that they are illegally garnishing my wages and taking my money for a debt that is not mine. Not to mention, I was lied too and treated terribly by the legal advisor that I was in contact with. I believe this debt is not mine and they are also breaking the statue of limitations.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95758	Web
Dear XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. This item " MERCHANTS ACCEPTANCE CORP '' ( XXXX XXXX dispute ) is inaccurate because the contract became void. The Presidential package that was purchased from the company was never fully delivered, they delivered the vacuum but not the rest of the purchased items. It has been over 3 months since the purchase, I have tried contacting the company to return the vacuum that they delivered because I never received everything that was supposed to come with it, I was met with no response. I tried canceling it with MERCHANTS ACCEPTANCE CORP but they will not stop charging payments, now they are reporting missed payments because of this issue. I am requesting that the item be removed to correct the information. I can provide phone records showing me reaching out to the company as well as me trying to cancel payments. I have filed with the XXXX and my credit card company for disputing the charges. I have also contacted my attorney to make sure that what I was doing was correct. He had advised me that by law the contract becomes void if they ca n't provide the product. The company listed above will not return my phone calls after leaving multiple messages in regards to this product. Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
11/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98597	Web
I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32305	Web
I have disputed with the three major bureaus multiple times about this account reporting on my consumer file ( MERCHANTS ACCEPTANCE CORP ACCOUNT # XXXX ) this account continues to come back as verified and i have yet to receive any proof of validation of this debt. On my consumer file the alleged debt is showing as charged off since XX/XX/XXXX, however the balance continues to increase and decrease, the status continues to change, and it is reporting as open. By law this is inaccurate reporting to my consumer file and has been going on for months now. also listed on the account is a comment from the furnisher stating that, ( CREDITOR CAN NOT LOCATE INDIVIDUAL. {$1400.00} WRITTEN OFF. {$2100.00} PAST DUE AS OF XXXX XXXX. ) How is it possible for me to still be accumulating debt on a written off account? I have yet to receive any mail from this company stating proof of claim, I do not have a contract with this company and have not been provided with proof that I do. I have attached the most recent changes as proof to the changes being made on my consumer file with this company. This inaccurate non validated account is affecting my creditworthiness and ability to provide more for my family when i apply for new credit.
06/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 955XX	Web	Older American
On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill.
04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	KS 667XX	Web
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX to further solidify my identity as a victim of XXXX in many forms, financial XXXX being one of the many.
08/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 454XX	Web
Made a payment in full to the law firm that Merchant Acceptance hired as a third party of XXXX in the amount of {$1600.00} ( The payment I was told plus The court fees that was added ). The representative I spoke to XXXX XXXX took all my information over the phone stated that I will receive a paid in full letter as well as the court statement that I paid the XXXX XXXX off in full. Before all of this I have made several attempts to pay off the balance with no luck. Until I was finally able to speak to Mr. XXXX @ XXXX XXXX XXXX XXXX ext XXXX on XX/XX/2020 @ XXXX XXXX. To get the matter taken care of. Now Merchants Acceptance is stating that I did not pay anything. The calls in both offices are recorded, so I do know that I paid the balance in full. All they have to do is pull the phone records plus it shows in my bank statement that a lump sum of money was withdrawn from XXXX who represents Merchants when they are sueing people.
01/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97266	Web
I had a vacuum cleaner company that came to my house and have me buy a vacuum cleaner, I hesitated, but they insisted I should use the vacuum cleaner and send payment to them, I had been paying them, and then I lost my job, and also seen that they vacuum cleaner was over prized, but I still paid them until I could not pay them any more because the vacuums cleaner price keep going up. And after sometime I was sued and taken to court by a certain company I did not know was not the vacuum cleaning company I used to make payments to too, and a judgement was entered in thousands of dollars. I tried to explain that the vacuum does not cost that much and that I have been making my payments but to no avail, now I can not not refinance my home, and my credit is ruined, I have a XXXX year old mother and I can not take care of her because I can not take out money from my house to help her.
11/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OR 973XX	Web
My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.
12/12/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33881	Web
The creditor is called Merchants Acceptance Corp . The collector XXXX XXXX XXXX gave me options by mail can not pay they already took me for judgment during me for {$2800.00}. Its over a XXXX XXXX I purchase 2018. I Did contact call the Merchants Acceptance CORP last year ask them if I can lower my payments when Covid hit so did the income. The guy was very rude and threatened me still had to pay same monthly payments. I tried to work with them I was paying. Then did got a job had to pay for other stuff rent food etc. I did get sick with XXXX took me over 3 months or more to get better. I have XXXX also. This is not right I am getting sued over a XXXX During the pandemic which I was willing to give the item back they refuse it or make lower payments. So I didnt bother with them had to focus more on my health and family during this pandemic time.
10/11/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 34668	Web
I called the company in XXXX to ask them to not contact any phone number outside myself and my boyfriends personal number. This is after they had contacted my boyfriends job and given his former boss information about the debt. On XX/XX/XXXX they called my mother and left a message. I again called them and requested they not contact any number about my debt but the numbers I provided and the agent essentially said theyll contact any number they find in a search to try and collect. After I explicitly stated yet again that the only numbers to be used for my account are the numbers we have for our cells. The agents have been dismissive and rude every time I call. It shouldnt be hard to expect my private information to stay private. Or for them to only contact the numbers we provided.
06/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33573	Web
In XXXX of XXXX I startes receiving alot of solicitations from people knocking at my door including a salesman selling a vac up cleaning I unfortunately took the bait and purchased him telling me if I hhave any issues I can return the vaccuum in less than a month later I attempted to because the vaccumm was not working. I tried no one called me back in regards to my issue.. I made several attempts. Now XXXX XXXX I was giving a summons for court stating these people are attempting to sue me for a faulty product that never worked that no one called me about and Im finding out its not just me several people are going thru the same thing. Faulty product was giving and this company is trying to swindle money from me to pay. Without any form of written communication before today.
07/04/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 95826	Web
That they remove this account. Every month adding more onto the balance since XX/XX/XXXX. In XX/XX/XXXX they served me with papers to sue me at my home address at XXXXXXXX XXXX It was not even a real summons. Fake paper work.I tried to work with them .They insist on the full amount. {$3500.00} the amount changes every month to a higher amount. They have my account like it is in collection set up like im making payments. This is a charged off account In XX/XX/XXXX or the amount of {$2700.00}. I have disputed it with XXXX File # XXXX Merchant acceptence is the original company for the XXXX XXXX. Now they say they dont sale their debt. They are acting like their own collection agency. But it is the same company. They have 2 different address XXXX XXXX XXXX XXXX XXXX WA XXXX
09/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 99223	Web
I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.
06/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97236	Web
My ex-husband XXXX opened an account with Merchant acceptance her and her boyfriend at the time worked for this company her father and I went through a nasty XXXX and was made to leave my premises and as a retaliation she went and opened an account and made me co-signer without my permission I file a police report in XXXX of XXXX Ive tried several attempts to make the merchant remove this account from my credit and all I get is disrespectful comments trying to force me to pay for an item I dont have or never signed up for every year I have tried to file a dispute and they always ignore it and keeps it open when it was opened and closed in XXXX
09/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NC 28390	Web
The company constantly calls me even after payment is made. I have advised that I have made payment with my debit card and they dont stop calling even after XXXX. They call and ask for my social and date of birth when I dont have to release that information. Ive asked for copies of my agreement requested autopay which they say will start in XX/XX/2022 but never did. I make payments on their portal or with a rep. The agent advised me tonight that theyre going to keep calling and it doesnt matter if they got my payment or not. Im being harrassed by merchants acceptance.
07/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07047	Web
This company ( Merchants Acceptance Corp. ) keeps reporting a collection account on my credit report without sending any type of validation of this particular account. This collection account shows that it was opened XX/XX/2016 with an amount of {$2500.00}. I have sent multiple dispute letters to credit bureaus and collector to verify account and I have not received anything in return. I'm in the process of buying a house and this account is not allowing me to get a approved for a mortgage. Please remove this account from my credit reports.
01/09/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98258	Web
While I was employed I was garnished for almost 2000 $ when calling and trying to make payment I was told I couldn't as it had been sent to a different area in the legal department. I was then on XXXX and received notification that I still owe roughly the same amount. What started as a XXXX debt has been raised to XXXX paid to XXXX and now above XXXX again. Im Currently unemployed and it's a never ending cycle with no resolve In sight. I asked to work out a settlement and was given an amount that was no way feasible.
05/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	ID 834XX	Web
Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.
07/30/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98375	Web	Servicemember
XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX
08/31/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 46226	Web
I called the company in XXXX, XXXX, XXXX, and XXXX to try to make a settlement concerning my bill. Now the company has sent my account to a third party and I have tried to ask them for a settlement as well and they do not want to work with me to get closer for this account. I can not afford to pay them, however at this moment I don't have a lot of funds to pay them off. Yet, They still call to ask me for the money.
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 837XX	Web
Merchants Acceptance Corp phone : XXXX address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX The last person I spoke with was " XXXX ''. They filed a lawsuit beyond the statute of limitations and won a default judgement ( I had to work on the day of court ). Long story short... they won. The problem is they are now reporting the account as open and intentionally tanking my credit score as a retaliatory measure. XXXX XXXX
11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
These people keep calling me looking for my sister for some reason, Ive told them I have no information about her or what her business is with them and to please not call me but they're still doing it. I'm also on the national do not call registry. They've called me once a month since XX/XX/2021 ( so four times total with 3 of those being after I asked them not to call me again ).
03/24/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	OK 737XX	Web	Servicemember
- Received 4 or 5 phone calls, one after the other, after XXXX on a Saturday, after we asked them to stop calling at that time so we could get our kids to sleep - Called me at my job after asking them not to - Harrassed and cussed at my husband after XXXX in the XXXX. My husband is a XXXX veteran in XXXX. - Were told we would be arrested for not paying
11/13/2015	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	ID 83634	Web
the company refuses to supply a physical bill despite repeated requests. They have threatened to sue me and are requiring charge for any type of request.
04/12/2021	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 Investigation took more than 30 days	WA 98312	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
10/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 282XX	Web
The debt is erroneously reporting in my credit report. It is past seven years old and needs to be removed.
10/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 282XX	Web
The debt is erroneously reporting in my credit report. It is past XXXX years old and needs to be removed.
08/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94585	Web
Please remove these items from my credit report
01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	WV 254XX	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34604	Web

06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28206	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95206	Web

10/07/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23223	Web

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30034	Web

07/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	SC 29108	Web

02/05/2022	No	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30253	Web

10/08/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30213	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85212	Web

04/22/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	OR 97478	Web

04/13/2021	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 94533	Web

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94582	Postal mail

10/20/2020	Yes	Credit card or prepaid card Store credit card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship		Phone

07/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98374	Web

04/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77536	Web

03/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

11/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08232	Postal mail

10/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93245	Web

08/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98274	Web	Servicemember

01/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98223	Web

01/10/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 28146	Web

10/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OR 97396	Web

06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97008	Web

05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 95307	Web