ComplaintsforMerchants' Credit Guide Company
Collections Agencies
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
06/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
this is a bill on my credit report for a hospital contact them to pay of balance of 1829 for school for my daughter hospital bill back when o was laid if for covid and fooughef agreed to pay the balance on the report they agreed as well sent me a bill for over $3000 i never agreed to and the laid and stated once payment was made it can be removed from my credit report multiple times i denied what stated accept to pay the balance on my report ive all rude not will to work with me in a balance from 2020 during a time when everyone was struggling and laid off i want was discussed to take place anything else is fraudulentBusiness response
07/10/2024
I'm not entirely sure what ************** is saying here, but we sent ************** the debt verification documentation on 9/23/23. We spoke to her on 6/6/24 and she agreed to a monthly payment plan. On 6/7/24, the collection tradelines for these accounts were deleted as promised.Initial Complaint
04/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This medical collection is being reported illegally. Under the ***** law ***************** Portability and Accountability Act of 1996) to protect my privacy and medical records from third parties. I do not recall permitting EM STRATEGIES to release my medical information to a third party. I am aware that there is a debt from EM STRATEGIES, but I lack sufficient information about the validity of this debt. Therefore, I want to ensure that any reporting to credit bureaus is accurate and compliant with relevant laws. - Provide a copy of my signed authorization allowing the release of my medical information to your agency. - Confirm compliance with ***** regulations regarding the release of protected health information. - Cease any ongoing credit reporting activities related to this debt until the validation process is complete.If the requested information cannot be provided this account needs to be removed from my credit report immediately.Business response
04/15/2024
To address ****************** HIPAA concern,Merchants' Credit Guide Company is a contracted Business Associate of EM Strategies, therefore, authorized to handle Personal Health Information (PHI)to the extent necessary to secure payment on behalf of our client, the covered entity. We have provided the debt verification documentation to ************** on two separate occasions to the address presented on this complaint: 10/27/22 and 2/28/23. ************** received medical treatment from our client, EM Strategies, when she needed their services. She has not paid for those services. We tried to contact her so we could work with her to come to some resolution. We never received a response. We reported the accounts to the credit bureaus. We have updated ****************** accounts as disputed.Initial Complaint
03/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with **************************, I do not have a contract with MERCHANTS CREDIT GUIDE, they did not provide me with the original contract as I requested.Business response
04/10/2024
************ is responsible for this debt. She received medical treatment at ************************** on several occasions. After non-payment, ******** ****************** referred the accounts to ** for collection. Merchants' Credit Guide Company is a third-party debt collector and a contracted business associate of **************************. We will request the account statements and the signed Authorizations and Agreements from ************************** and send them to ************. Upon receipt, we would encourage ************ to call us with any questions she may have. We remain open to work with ************ and come up with a manageable payment arrangement.Initial Complaint
03/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I recently checked my credit report and noticed this is now listed as a collection although I thought this was resolved as I have received no further communication from merchants. This debt does not belong to me. I asked for documentation that the debt belongs to me including the signature and copy of ID presented at the time of service and I did not receive this. I believe the provider billed the incorrect party. I request this be removed from my credit report. Thanks!Business response
03/18/2024
We have never been able to get a response from **************** since July of 2020, when we first received the account from our client. We sent letters and called the cell phone provided here, leaving several messages. We have the account statement, the signed financial agreement, and copy of the photo ID, her Driver's License. We will mail the information to her at the address provided here.Customer response
03/23/2024
Complaint: 21424688
I am rejecting this response because: I have not received the proof indicated that would be provided to me that this is my debt.
Sincerely,
*************************Business response
04/05/2024
The account statement, signed agreement, and copy of the photo ID provided by our client, the creditor, was mailed on April 2, 2024 to the address provided on the complaint. She should receive it very soon.Initial Complaint
03/09/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for the debt with charter communications . I do not have a contract with Merchants Credit Guide **** they did not provide me with the original contract as I requested.Business response
03/18/2024
We have requested the account verification documents from our client, **************************. Upon receipt, we will forward to ****************. She is responsible for this balance due to our client.Initial Complaint
03/07/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with head neck cosmetic surgery A , I do not have a contract with merchants credit guide , they did not provide me with the original contract as I requested.Business response
03/08/2024
There is no contract. We sent an itemized statement of account to ****************** yesterday. She received medical treatment from the creditor. They billed her insurance. This is the balance after insurance. She is responsible for this balance. Upon receipt of the statement, we encourage her to call us if she has any questions.Customer response
03/11/2024
Complaint: 21398693
I am rejecting this response because this account was fraudulent and my identity was stolen due to all my personal information being stolen . I have not received any care from this company.
Sincerely,
*******************************Business response
03/18/2024
We sent ****************** copies of the account information on 3/7/24. We believe this information will help her remember the treatment she received. If she still believes this is ID theft, as we stated in our letters on 12/7/22 and 2/16/24, we will need a copy of the signed ************************ ID theft affidavit, a copy of the police report about the incident, and a copy of a state issued photo ID card. Upon receipt of this information we will conduct our proper investigation with our client, the creditor.Initial Complaint
03/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with HERNANDO COUNTY EMERGENCY PHYS. I do not have a contract with Merchants Credit Guide Company, they did not provide me with the original contract as I requested.Business response
03/18/2024
****************** has never requested any documentation from us. There is no agreement. He received treatment in the emergency room by a physician from Hernando County ************************** working out of ************** - ***********. The emergency room physician group sent ****************** a bill for the services provided. After non-payment of the bill, the account was sent to our company for collection. In response to this complaint, we sent the itemization of the account on 3/7/2024. Upon receipt, we encourage ****************** to give us a call with any further questions.Initial Complaint
02/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to address a discrepancy regarding a medical bill that has been reported to the credit bureau in the amount of *****. Despite several attempts to dispute this matter with both your office and the credit bureau, it appears that an error persists in the reporting. The bill in question has already been settled by my health insurance provider. Please see EOB enclosed. Given the circumstances, I kindly request the immediate removal of the erroneous entry on my credit report. It is imperative to rectify this issue promptly as it is adversely impacting my credit standing. This discrepancy, originating from Midwest Orthopedics billing process, does not accurately reflect my financial obligations.As a Nurse Practitioner operating a business, my ability to access credit is essential for its operations and growth. Therefore, the presence of this incorrect information on my credit report is significantly hindering my professional endeavors.I trust this matter will be addressed with the urgency and attention it requires. Failure to resolve this atter satisfactorily may necessitate further action, including seeking legal counsel to protect my rights and interests.Business response
02/21/2024
The Explanation of Benefits (***) **************** included with her complaint was for a different date of service. The date of service on the account placed for collection with our company was 11/10/21. The *** refers to the treatment received on 11/24/21. We are sending **************** an itemized statement of the 11/10/21 Date of Service so she can look for the *** from her Allied-Aetna insurance. It appears as though most of the charges from 11/10/21 were applied to ******************** deductible, thereby making the balance her responsibility. But she should confirm that with her insurance company.Customer response
02/22/2024
Complaint: 21312196
I am rejecting this response because:
This bill was indeed paid the summer of 23 after I sent a copy of a MRI to show medical necessity. I did not have a deductible owed as I had broke my leg in March of 2023 and satisfied the deductible at that time. All bills with Rush were covered 100 percent except for this last one because the insurance company was awaiting radiographic evidence of joint space narrowing to show the injections were medically necessary: I supplied a MRI results to the insurance company during the month of June 2022 and they send payment out. Please get with **** and go through all the charges for the 3 injections and you will see it was satisfies.
Sincerely,
***********************Business response
02/23/2024
**************** is talking about treatment/services in 2023. I clearly said the account placed with us for collection was for services rendered on 11/10/2021. We mailed a copy of the statement from our client to **************** yesterday. 2/22/2024. She should call her insurance company with that information and find out what happened that claim. This has nothing to do with her treatment received any time after 11/10/2021.Initial Complaint
02/17/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am not liable for this debt with ********************* DISTRICT, I do not have a contract with MERCHANTS CREDIT GUIDE,LP, they did not provide me with the original contract as i requested.Business response
02/21/2024
************ was picked up by an ambulance from the Darien-Woodridge Fire Protection District and taken to the hospital on 3/8/18. This account is for the ambulance charges incurred. There is no contract. She received the services when she needed them, and she is responsible for payment. The claim was billed to her ******************** and all the charges were applied to her deductible, thereby making her responsible for the balance. This debt is beyond the statute of limitations, so we cannot and will not *** her for payment. If she makes a partial payment, the statute of limitation would restart, but we will still not *** her to enforce collection. We are happy to work with ************ to come up with a manageable payment arrangement when she can.Initial Complaint
01/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with **************************, I do not have a contract with Merchants Credit Guide C, they did not provide me with the original contract as i requested.Business response
02/05/2024
********************** received medical treatment at **************************. After the hospital billed **********************, and he didn't pay the balance due, they placed the account for collection with our company. He has never asked us for a copy of the contract. We have requested a copy of the itemized bill and a copy of the Agreements and Authorizations signed at the time of service. Upon receipt, we will mail this information to *********************** It is our hope that he will callus with any further questions he may have. We will be happy to work with ********************** to come up with a manageable plan to get this account resolved and removed from his credit reports.
*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
209 S La Salle St Ste 900
Chicago, IL 60604-1443
Want a quote from this business?
Get a QuoteCustomer Complaints Summary
111 total complaints in the last 3 years.
48 complaints closed in the last 12 months.