Walwick, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/04/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98106	Web
XXXX XXXX XXXX I have insurance, and at the time of medical bill I was also low income. XXXX assigned a bill that is not mine to Merchants Credit. XXXX never offered me any payment options or help. When I contacted XXXX XXXX XXXX, they told me there was nothing they could do because they sold my information to Merchants Credit. I asked them to provide me proof and why they sold a debt off in my name when it was not mine. They said they already collected money from Merchants Credit and that there is nothing they can do because it was closed on their end and that I would have to resolve the issue on my own. I told them at the time I was low income and did not have any money and also that I have insurance so I should not have any debt. They said there was nothing I could do and that I would have to work it out with Merchants credit even if it is not my debt. I believe XXXX XXXX is selling off bills that have medical coverage to gain additional money from collection agencies. To me this is a scam and a way to make extra money off of Washington residents. I believe they are targeting low income individuals because XXXX feels they are easy victims. This in unethical and has wide range of implication on families in low income that are already struggling to pay bills and put food on the table. These types of practices put up additional barriers that affect families in purchasing cars obtaining rental leases, and even jobs. This is not ok and XXXX should not be allowed to get away with this. Merchants Credit : This is not my debt. I have asked Merchant 's Credit to provide proof that this is my debt. like a paper with my signature and they have only given me a document that shows my current address on a bill, that is dated for 2016, which I resided at another address in 2016. Thus it is not the original bill. Further they have not provided me with any proof that this is my bill. No signature and no documents. This looks like it is a bill from XXXX XXXX. I have insurance. I have called them multiple times telling them this is not my bill and to provide proof. They will not provide proof, and they will not stop sending me collection letters. They kept posting this bill to my credit report that caused major issues in my life because it looked like I was being ir-responsible and affected my credit report. When asked why they are sending me bills and posting to my credit report when this is not my bill and they can not provide proof, they said they do not know, all they know is that they have my name and I have to pay them. I need help because this is not my bill and they keep sending me letters, for a bill that is not mine. I feel they are I have sent letters that have said I dispute the validity of the debt in the above-reference account, and would like verification from you of the obligation, the amount owed, and proof of a valid assignment of the debt from the original creditor to you. Please send me copies of all documents related to this debt including, but not limited to, court judgments or other orders, contracts, billing statements, account records, invoices, receipts, cancelled checks and correspondence. In addition, please detail all costs and interest charges owed, the dates incurred, and all amounts paid on the account. Send all of the requested documents to me at the address listed below. I am also exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C 1692, and demand that you cease all communication with me, my family members and all other third persons. They have not honored any of this. This is unfair an unethical to post debts to peoples accounts without proof. The actions of Merchants Credit has caused grave consequences in my life that go far beyond this bill alone. They need to remedy and fix their issues. Please help me. Thank you! Sincerely, XXXX XXXX
09/03/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98087	Web
Merchants Credit Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX To whom this concerns, I recently applied for a Home Mortgage and in doing so received a copy of my Credit Report. Contained in that report were certain accounts that I disputed with all three of the Consumer Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. Here Im speaking specifically to the information being reported as : account # XXXX. Where in the XXXX Investigation Results youll see that the account now reads : THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION STATUS DATE *BALANCE DATE. This letter speaks directly to these features as theyre currently appearing in this, along with other, credit reports. Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; Here I require Merchants Credit to produce and provide the evidence of this Updated information. Along with, and in comparison to, the information provided in the Credit Report furnished by XXXX XXXX & XXXX XXXX to XXXX XXXX XXXX and delivered to my Mortgage Lender, XXXX XXXX. ( See copies ). Clearly Merchants Credit verified this new information to the satisfaction of XXXX. Here I require that you Verify this altered and adjusted information to and for me, the Consumer, as well. As they are clearly not equal to the original information as provided to my Mortgage Lender. These certainly are not inconsequential Updates as they clearly describe the consumers liability in their Status Date & Balance Date along with Additional Information status. Failure to respond according to this request will result in my turning my attention away from the Consumer Credit Reporting Agencies. Directing it to the Washington State Department of Licensing. Who Im assured will do a Complete & Comprehensive Review of your failure to perform under the Federal & State Laws where and how they are applicable. Regards, XXXX XXXX XXXX XXXX CC : File WA DOL CFPB FTC
10/08/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AK 998XX	Web
This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 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. These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.
10/09/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 989XX	Web
Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. Details : - My family and I rented a house and XXXX supplied garbage and recycle services. - My family and I moved out at the end of XX/XX/XXXX. - During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. - XXXX kept billing us so I called and disputed the billing. - The owner of the house also called XXXX and he was told that there was no outstanding bill. - Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. - I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. - A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX
12/14/2017	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98225	Web
I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.
12/06/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web
Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to accounts you 're reporting to on my credit reports Please be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer-reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports XXXX is a clear violation of Public Law XXXX ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
11/16/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98040	Web
XX/XX/2018 - Received a call from XXXX XXXX XXXX. They wanted me to confirm my address and I refused. They rudely, repeatedly and forcefully insisted that I was obligated to confirm my address. I told them I would not give out personal information over the phone to someone who I did not know. I told them to send me a letter to the address they had on file & they could confirm it that way. They insisted that theyd already sent a letter but I hadnt received anything. I said they should send me something in writing and do not call me ever again. XX/XX/2018 - Received another call from XXXX XXXX XXXX. Same conversation : rude, forceful and repeated insistence that I confirm my address. They insisted I owed them a confirmation of my mailing address. I said dont call me anymore, send me something in writing if you have my address. I told them I would not give my personal information over the phone and I clearly stated Do not call me again. XX/XX/2018 - Received a letter from XXXX XXXX XXXX stating that I owed {$7400.00} to a Mr. XXXX XXXX with " Inspiration and Results ''. ( I do not have a copy of this letter. ) XX/XX/2018 - Sent certified cease & desist letter to XXXX XXXX XXXX instructing them to stop contacting me. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Sent certified letter to XXXX XXXX XXXX as follow up stating that I dispute the debt. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Received another call from XXXX XXXX XXXX, similar in nature to the previous calls. I told them not to call me ever again. XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7600.00} ( see attached ) XX/XX/2018 XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7700.00} ( see attached )
10/22/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web
I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " 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. ''
07/15/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98117	Web
Merchant 's Credit Association XXXX I owe medical debt from XXXX XXXX. I had made a payment and was paying it off. I did not receive follow up bills/reminders in mail and Covid had happened which sent us all reeling. I had checked my credit report as it had gone down and I was surprised. I did then get a bill in the mail. I tried to pay online and by phone MULTIPLE times but it kept saying my packet number was wrong. Also, the collector did start calling me and we missed one another every time. I had left on the recording the issues with my packet # and not being able to pay through the portal and to please leave me the info on VM if I can't answer. He did not. I just spoke with a supervisor ( who was rude ) and was on hold to speak with a higher staff member when I was discounted. The supervisor told me that XXXX XXXX bills can not be paid by phone or web portal. THAT IS NOT LISTED ANYWHERE on the bill nor had been stated AT ANY TIME. I have been working on my credit for years and this XXXX $ bill just brought it down significantly when I HAVE BEEN TRYING TO PAY. Now, I just spent 20 min on the phone with them trying to get to the bottom of why I couldn't pay by phone nor web and was disconnected. I just left yet another message for the person ( maybe the 10x I've called ). I WANT TO PAY THIS BILL. THis should not be reflected on my credit score as payment has not been accessible. The collector who I was speaking to when he asked his supervisor to come speak with me, he sid, " I have a consumer who's hot right now. '' Can you help me? * A note that mail in our area has been stolen this past year especially with the homeless situation and Covid. Many issues of theft and burglary. Thank you, XXXX XXXX
11/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web
Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; XXXX indicates this is multiple accounts and list only XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following - 15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " 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. ''
11/09/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92563	Web
Governed by XXXX ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list XXXX. ( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDED And leads me to believe it also violates the following - XXXX : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' XXXX ( XXXX ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' XXXX ( XXXX ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' XXXX XXXX. XXXX specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " 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. ''
03/30/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98155	Web	Older American
My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX and I found a balance of {$1500.00} plus I did not understand. XXXX told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.
07/17/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90066	Web
CFPB FTC Letter Submitted on XX/XX/2020 Pursuant to my rights under federal debt collection laws, I requested that Merchants Credit Association cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts they claim that I owe. I also notified them that if they do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Washington Attorney Generals office. Also, I told them civil and criminal claims will be pursued. After sending this letter, postmarked XX/XX/2020. Merchants Credit Association continued to harass me by contacting me via my cellular phone and leaving a voicemail on XX/XX/2020 at XXXX PST. Please find the evidence attached to this complaint. Please help me stop Merchants Credit Association, who clearly defies federal and state laws and continues to abuse its states residents. According to a simple XXXX search of the company, it has a poor rating with the XXXX, has been sued numerous times, and received multiple federal complaints. Please, CFPB and FTC, how can a business like this be allowed to continue to operate in our great nation? At your disposal, XXXX XXXX XXXX
09/19/2022	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98229	Web
I have been receiving several phone calls from XXXX which I have found to belong to Merchants Credit Association ( http : //www.merchantscredit.com/ ) that I have never answered. On XX/XX/XXXX, I received a phone call from them at XXXX XXXX XXXXXXXX. During that phone call, I answered and simply said " Please do not contact this number again. '' I do believe this was recorded, as it was an incoming call placed to my cell phone. They would have record of this. I hung up on the phone call and I assume they must have heard my request, as I quickly received an alert that something on my Credit Report had changed the next day, and it looks the amount they were attempting to collect was reported as owed and delinquent. Since then, I have received several calls from this debt collector since then, even after I have explicitly told them to NOT contact me at this number. My phone history shows two attempts on XX/XX/XXXX from them, not even a minute apart on XX/XX/XXXX at XXXX XXXX PST. I believe this to be harassment.
08/08/2020	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	WA 98371	Web
merchants credit association representatives continue to harass me and my family even after i told them to stop harassing me and my family .calling others also filing lawsuit for medical bills due to car accident my attorney XXXX XXXX XXXX is handling.continue to threaten even when XXXX XXXX ask them to stop .This harrasment need to stop immediately and lawsuit need to be vacated and deal with attorney that is handling itXXXX need to return the accounts back to original creditor .XXXX is not using merchants as collections agency.Merchants continue to use abusive tactics threaten and harass Washington residents .i have previously sued merchants while back they continue to use abusive way to collect money .Merchants need to stop this abusive practice or i will sue you.So many complaints and lawsuits for abusive practices why is merchants don't understand .calling people using unidentified numbers and different times .Merchants need to stop their illegal collection activity immediately.
11/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
11/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that XXXX and XXXX XXXX are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1. MERCHANTS CR XXXX Balance {$70.00}
06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 980XX	Web
Merchants Credit Association again closed my complaint Case # XXXX/ XXXX without resolving it. I have talked to them many times earlier and they are not willing to help. I had uploaded documents which clearly shows that I received a bill from Merchants Credit Association stating there is a due of {$200.00} on account XXXX and I have made payment of {$200.00} to Merchants Credit Association already. This is false reporting by Merchants Credit Association. I have never request to apply that amount to any other account. My payment of {$200.00} should be applied to account # XXXX. They are still charging me interest on the paid account number XXXX which is inappropriate. I am attaching documents again which show due amount on account number XXXX and my payment amount. This should make it clear.
10/16/2019	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	WA 98387	Web	Servicemember
I contacted the debt collection agency ( Merchants Credit Association ) myself to schedule and setup a payment plan. The lady I spoke to immediately started making statements such as what your wife doesnt work?, you are over doing your self financially, etc. when in fact nobody predicts a medical bill typically and why would she say things when she has no idea what she is talking about and it is personal information and for her to treat me like that is completely unacceptable. If someone is trying to do the right thing then why on earth would they want to make you not want to pay them and tolerate their abuse? No I dont want this on my credit but I dont deserve to be treated that way when i just want to take care of my debt.
05/24/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98133	Web
I have outstanding bill with XXXX XXXX in XXXX . The bill started at XXXX I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.
02/13/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	CA 92563	Web
My account for XXXX services I received from a local XXXX XXXX XXXX was placed at MERCHANT CREDIT Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in MERCHANT CREDIT Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and MERCHANT CREDIT refuses to provide this information
06/09/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98058	Web
I called the XXXX credit card company immediately when I found out that a credit card was issued in my name. I told them it was identity theft/ fraud which they told me they wrote down and would take care of it since it wasn't me. They said they would get rid of the card and I would not be liable cause it was fraud/identity theft. I did this about 2 months ago. They told me not to worry and that the credit card with {$5100.00} would go away cause it is fraud. I was shocked to see that they sent it to collections and on my credit reports as I had already taken care of the situation with them. They told me they reported it as fraud and I was to no longer worry about it.
03/07/2018	No	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	WA 98422	Web
Date is XX/XX/2018 Gave verbal communication that I was disputing the debt. XXXX XXXX proceeded to tell me that it not valid and it has to be in writing. I requested the address to send in written documentation and he responded with a poor attitude. Telling me that they already sent valid information about the date. I suggested that nothing was received and if they sent anything it was only a Dunning Notice. I asked him to change his tone or manner he is handling the call. Then requested a manager. He only sent me to a supervisor. The supervisor said they had no managers on staff they are gone for the day. I also informed her of my dispute of said debt.
04/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 605XX	Web
I received an inaccurate medical bill ( the medical code was wrong and more expensive, wanted it corrected before paying ) and the billing department has not returned calls for months, I havent received any bill nor an updated bill in close to a year ( last statement was from XX/XX/20 and still incorrect and still not returning my phone calls ). They now are submitting that bill to collections. This is fraudulent that they are trying to bill and collect on a medical service I did not receive and not even returning my calls to work with me on correcting the bill so they can collect on it.
03/23/2018	No	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	WA 98058	Web
i have disputed this account and have had it removed twice now, an it keeps popping back up on my credit report, XXXX XXXX has been contacting me none stop trying to collect a debt i do not owe them i have never had any services with them an i have never signed any contract regarding them contacting me for a debt, they are contacting me regarding XXXX XXXX, XXXX XXXX reps have revealed information that they should not have access to an i have asked them to stop contacting me they have not stopped calling me trying to collect a balance of {$2800.00} that i do not owe
12/17/2018	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	OR 973XX	Web	Servicemember
Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal
11/04/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98003	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on MERCHANTS CREDIT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/07/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA XXXXX	Web
I have already filed a complaint with you guys an complaint # is XXXX The complaint is against XXXX XXXX XXXX who has yet to respond to my claim its been over a month I was notified by CFPB that the company had not responded an I just want to know why CFPB has not be able to intervene this is unacceptable this company is trying to collect debt that I do not owe to them they have been calling harassing me I want these XXXX XXXX accounts deleted from my credit report
05/22/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 98038	Web
Merchants Credit continues to report XXXX paid medical accounts that were the result of a billing error despite my written letters and being notified in writing by original creditor ( XXXX XXXX XXXX ) that these accounts are paid and resolved. XXXX and XXXX even come back with accounts " verified '' when disputed. These accounts severely impact my credit and are causing more hardship.
03/18/2023	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 76017	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75211	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.
11/28/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98058	Web
I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX
06/10/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53719	Web	Servicemember
I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was two months ago and still i have not received any information.
11/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30114	Web
Merchants Credit Association continues to report and attempt to collect a debt that was reporting incorrectly and resolve with a different collection company XXXX.
07/11/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web
Merchants Credit Association is reporting a collection account in my credit report that 's not complaint with the CRA 's XXXX reporting requirements.
07/21/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Merchants credit association continues to report a collection account that is not complaint with the CRA reporting requirements XXXX XXXX 2017.
07/27/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.
01/05/2019	No	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 98499	Web
Did not know about debt.
01/30/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 98391	Web

05/24/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98387	Phone

04/08/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97478	Web

03/05/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ID 83815	Web

11/22/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98404	Web

09/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

08/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

05/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98055	Web

05/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53405	Web

03/24/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30005	Web

12/18/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98374	Phone	Older American

04/29/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97341	Referral

02/19/2020	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WA 98371	Referral	Servicemember

09/24/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98109	Web

07/31/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 98105	Web

05/03/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98026	Web	Servicemember

04/11/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98683	Phone

12/01/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98305	Web

11/20/2018	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WA 98208	Web

08/20/2018	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WA 98682	Postal mail

06/20/2018	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	WA 98236	Referral

05/10/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 81321	Postal mail

05/07/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98203	Fax

05/07/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98036	Web

03/16/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60107	Web

03/01/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Referral	Servicemember

01/19/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98248	Web

01/11/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98101	Web

12/27/2017	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30605	Web

12/07/2017	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/19/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98203	Referral

10/19/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78744	Web

08/29/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33706	Web

08/17/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60419	Web

08/15/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	WA 98166	Web

07/13/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98258	Referral

04/27/2017	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92056	Web	Servicemember

11/07/2015	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	CA 92028	Web

07/21/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92563	Web