Merchants Financial Guardian, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
09/11/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92677
 Web Older American, Servicemember
I received a fraudulent debt collection letter from XXXX XXXX, owner of Merchants Financial Guardian , Inc. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX / XXXX XXXX XXXX, XXXX, CA XXXX / ( XXXX ) XXXX. XXXX XXXX apparently found my address online and assumed I was the " XXXX XXXX '' who used to work for the debtor 's company : XXXX XXXX XXXX XXXX ( There are approx. XXXX " XXXX XXXX '' in XXXX California and I believe this collector has send all of them the same letter- which is illegal ). This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits a debt collector from informing third parties of a consumers debt. I have worked for the XXXX XXXX XXXX XXXX as a XXXX XXXX for the past XXXX XXXX and have never worked for XXXX XXXX XXXX XXXX. I researched the debtors corporation and there is an agent for service in XXXX XXXX. The creditor is XXXX XXXX XXXX XXXX XXXX, and I have never heard of this corporation either. The collections letter is demanding I pay {$55000.00}. I am sending a letter to XXXX XXXX, the debt collector, informing him of his mistake - by certified mail to both his physical address and his post office box. I discovered by my research that the owner of the debtors corporation ( XXXX XXXX XXXX XXXX ), XXXX XXXX, is deceased and his widow received the same collections letter. I spoke to XXXX XXXX XXXX and she confirmed that a " XXXX XXXX '' used to work for her deceased husband but that HE doesn't owe this debt. In fact, the XXXX XXXX didn't believe SHE owes this debt either. I have checked with XXXX, XXXX, and XXXX and XXXX XXXX has not taken any action against my credit report... yet. I want XXXX XXXX to be aware of his violations and that he be held to account for his actions. He clearly doesn't understand how to LEGALLY collect debts. XXXX XXXX of Merchants Financial Guardian , Inc. has violated the following sections of the Fair Debt Collection Practices Act : 15 USC 1692b 804 ( 2 ) ; 15 USC 1692c 805 ( a ) ( b ) ; 15 USC 1692e 807 ( 5 )
08/26/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90016
 Web
As of XX/XX/XXXX when I was living at XXXX XXXX XXXX XXXX # XXXX. The owner at the time XXXX XXXX XXXX decided to not to collect my rent. I was paying the rent late and informed them in writing that I will be late. When I then had the rent along with the late fee XXXX XXXX decided not to collect the rent and decided to pursue the eviction process. At the time I was a section 8 tenant so I couldnt get up and move quickly. There is a moving process with all section 8 tenants. I went thru the court proceedings with XXXX XXXX and I eventually moved out in XXXX XXXX XXXX. I turned over the keys to the unit as well. As stated from the judge that all information to this case is sealed and no judgements should not go against me until final court date which is in XX/XX/XXXX. As of today I am still in court proceedings with XXXX XXXX. But I notice that XXXX XXXX which is now XXXX XXXX XXXX is reporting to XXXX that I owe XXXX. It's been reported as a collection debt that I owe to a apartment management. Which is not true because we haven't resolved anything til our next court date which is XX/XX/XXXX. All information being reported is inaccurate and I disputed it numerous times with XXXX but nothing has not changed.
01/11/2022 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91762
 Web
At the time if residency there where two young mgmt who where fired because if XXXX XXXX now when we moved out we left the complex clean no damages and we included out deposit to settle the months rent that was owed I had no knowledge of these charges or what their from I continue to ask them to verify proof of these charges but they still have failed Todo so these are unauthorized charges I have been trying to have removed from my account it also says it's a payment from XXXX of XXXX which is also false because it also says from XX/XX/XXXX these are falsely reported and I want it corrected this has affected me tremendously I haven't been able to get an apartment for my family because of this impact to my name we have been XXXX in a motel for two years now
05/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90250
 Web
Merchant FInancial Guardian account was added on my credit report in XX/XX/XXXX. I contacted them in writing in XX/XX/XXXX asking them to send me copies of documentation showing that this is my account. I responded to the letter they sent me on XX/XX/XXXX stating that I owed XXXX XXXX. They never responded after initial letter. I continued to contact them over the phone requesting documentation to assist me with this matter. The stated would receive something in writing within 90 days. 90 days passed still nothing. In XX/XX/XXXX I then reached out to them again with a certified letter. I have attached the letter sent to Merchant financial on XX/XX/XXXX. I have still not received any response or resolution for this matter. .
12/31/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • XXXXX
 Web Older American, Servicemember
XX/XX/XXXX a lawsuit was filed in XXXX XXXX over non-payment of home owner 's association dues owed to XXXX in the XXXX ( a legitimate debt ). XXXX XXXX - Letter from XXXX XXXX XXXX indicated that the amount remitted was insufficient - a new check was issued for {$4200.00} and negotiated by XXXX XXXX XXXX on XX/XX/XXXX on the condition was that the debt would be discharged and the lawsuit would be dismissed ( case # PCL XXXX ). XX/XX/XXXX I was notified by the XXXX in the XXXX office that the balance had not been paid XXXX XXXX - XXXX XXXX XXXX XXXX with a written response, copies of the cancelled check and to date, have not received a dismissal of the lawsuit or acknowledgement of the payment.
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91406
 Web
I am submitting this complaint because I am being extremely affected by MERCHANTS FINANCIAL GUARDIAN , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor. This situation for me is so hard, XXXX cant sleep. Account Information : Account name : MERCHANTS FINANCIAL GUARDIAN Account Number : XXXX Date Opened : XX/XX/2018. Balance : {$3500.00} Solution : delete my account from all credit bureaus and waive the balance.
09/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92505
 Web
Initial Supposed debt : {$39000.00} XXXX Have received 10 letters from the collection company, some are date almost a year later after our responses ( I have always responded to their letters requesting confirmation of debt, never have had them confirm the supposed debt )
06/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92373
 Phone
10/21/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77032
 Web
07/30/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • XXXXX
 Web