| 04/08/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX XXXX, SC XXXXMERCHANTS CREDIT ASSOC. SCXXXX XXXX XXXX XXXX XXXX, SC XXXXRe : Social XXXXTo Whom It May Concern : I have attempted on multiple occasions to contact your company via XXXX yet you have failed to respond. At this time I feel it is necessary to file this complaint and advise you of the following. Due to your company violating FCRA ( Title 15 United States Code Section 1681 ), FDCPA ( 5 U.S.C. 1692 -1692p ), and UDAPP this letter will serve as my Notice Of Intent to File Suit. Pursuant to South Carolina Code Annotated, Title 22, Ch. 3, Article 1, Sections 10-30 ; Title 22, Ch. 3, Article 3, Sections 110-320 ; Title 15, Ch. 7, Sections 10-30 ; Title 18, Ch. 7, Article 1, Section 20 ; Administrative and Procedural Rules for XXXX Court, Rules 1-19. I will be filing suit in South Carolina XXXX Court in the amount of {$20000.00} that is to include Statutory and Actual damages incurred by myself as a result of increased APR 's as well as out right denial of credit. As we XXXX know companies tend to wait until the suit is filed and wait until the last day before their answer is due to the court to offer settlement. I will advise you once the case is filed I will not even entertain an offer for settlement. I have already spoke with a law firm and advised them of the situation and if an agreement for settlement is not reached between myself and your company 14 calendar days from today he will be retained and take over the case in its entirety. But he will hold no settlement authority due to the disrespect your company displayed when ignoring documentation and request for validation of this fraudulent account.
Your company listed an account with XXXX XXXX in the amount of {$1600.00} on my credit. This account was opened fraudulently and I had notified the original creditor/rental agency as soon as I had seen them listed on my credit. Apparently they must have received the Fraud Affidavit and Dispute after selling it to your company. Never the less your company without mailing any documentation attempted to collect on this debt. FDCPA requires mailed documentation within 5 business days which to this day has still not been done. Now even after mailing the request for Validation of Debt and my letter of dispute for the XXXX time back on XX/XX/XXXX I have still have not received any response or correspondence. Yet, the account is still being listed on my credit as a derogatory account thus violating FCRA and FDCPA.
What I am proposing as an agreeable settlement would be your company immediately updates all XXXX credit bureaus to remove this charge off account as well as any associated inquiries and pays me {$5000.00} payment to settle any and all violations. Payment must be made to myself at the address listed above on or before XX/XX/XXXX. Considering the cost of hiring representation in South Carolina plus the cost you would incur for my court cost and attorneys fees I believe that is a fair offer. Once a settlement is agreed to I would be willing to sign a " Release of all claims ''. As far as contacting me in reference to this offer for resolution I am giving you permission to speak with my husband XXXX XXXX at XXXX he can also be reached by email at XXXXXXXXXXXX. If an agreement is not reached on or before XX/XX/XXXX we will move forward with the legal proceedings.
Thank you for your prompt attention to this matter, XXXX XXXX
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| 01/20/2016 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording.
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| 08/15/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.
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| 11/17/2017 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with
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| 02/21/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 09/19/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 08/01/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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| 07/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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| 06/18/2015 |
Yes |
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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| 03/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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| 11/21/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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| 11/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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| 09/22/2014 |
No |
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- Communication tactics
- Threatened to take legal action
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Web |
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| 03/31/2014 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Phone |
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| 07/23/2013 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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