ComplaintsforMerchants' Credit Guide Company

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Initial Complaint
01/28/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with *******************. I do not have a contract with Merchants' Credit Guide Company. They did not provide me with the original contract as requested.
Business response
02/13/2024
************** is responsible for this debt. He received treatment from the creditor, a healthcare provider. This creditor billed him for their services. He did not pay. The creditor placed the account for collection. We have tried to contact ************** on several occasions. To date, we have never spoken to him, nor have we received any direct dispute from him. In response to this complaint, we will request the verification documentation from the creditor and mail it to *************** Upon receipt, we would encourage ************** to call us with any further questions. We remain happy to help ************** and work with him to come up with a manageable plan to resolve this debt.
Initial Complaint
01/27/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with *********** Hospital , i do not have a contract with Merchants' Credit Guide Company, they did not provide me with original contracts i requested.
Business response
02/19/2024
We've never spoken to **************, nor has he ever requested verification of the debt. ************** is responsible for the debt with *********** Hospital. In response to this complaint, on 1/30/2024, we mailed the itemized statement of account showing all charges, insurance payments and credits and the self-pay balance ************** is responsible for. In addition, we mailed a copy of the Agreements and Authorizations he signed on the date of service as well as a copy of the Driver's License he presented to the hospital at the time of service. Upon receipt, we would encourage ************** to call us with any further questions. We are happy to work with ************** come up with a manageable payment plan to resolve this account so it can be removed from his credit reports.
Initial Complaint
01/22/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ******** Emergency medicine, 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
02/05/2024
**************** is incorrect. He is liable for these debt with our client ******** ***************************** (****). On four separate dates of service, **************** received treatment by one of the **** emergency room physicians. There is no contract. **************** needed treatment, he went to the ******************* he received treatment, he owes **** for services rendered. He was billed several times but has yet to pay. He never requested a copy of a contract before. In response to this complaint, we have requested copies of the account statements for each account from ****. Upon receipt, we will forward the information to ***************** Upon receipt, it is our hope that **************** will call us so we can work together to get these accounts resolve in a manageable way.
Initial Complaint
01/22/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for a debt owed to ******** EMERGENCY MEDICAL SPECIALISTS. I do not have and was never given a contract to sign with MERCHANTS' CREDIT GUIDE COMPANY, as requested.
Business response
02/05/2024
**************** is incorrect. He is liable for the debt to ******** Emergency Medicine Specialists (****). In ************************ has two debts with ****. On two separate dates of service, **************** received treatment from one of the **** emergency room physicians at *********** Hospital. On 2/1/24, we sent him itemized bills of those two accounts. They include the charges for the treatment, the insurance payments and credits, and the remaining self-pay balance due. Upon receipt, we hope he will call us with any further questions. We look forward to working with him to come up with a manageable plan to resolve these accounts.
Customer response
02/07/2024

Complaint: 21180896

I am rejecting this response because:
The documents sent to me by this company do not match the information that is being reported on my credit report

Sincerely,

***********************
Business response
02/08/2024
As we look at our copies of what we sent to ****************, we need to know what specifically he thinks is not accurate or doesn't match what is on his credit report.
Initial Complaint
01/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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 requested.
Business response
01/22/2024
************ is incorrect. He is liable for the accounts placed with our company by *********************. On 6/21/22, we sent ************ copies of the Agreements and Authorizations he signed on the various dates of service along with detailed itemizations of each transaction, including the charges, the insurance payments and adjustments/discounts, and the remaining self-pay balance. We remain happy to work with ************ to come up with a manageable plan to resolve these debts so we can get the accounts updated and removed from his credit reports.
Customer response
01/23/2024

Complaint: 21143123

I am rejecting this response because: I never agreed to, or authorized, any release of protected health information from any hospital. For any hospital to have released my personal information would be a gross violation of the ***** law and I also have no signed contracts with your company. Furthermore I've never received any of the documents in which you state you sent to me in June of 2022, or at any other time.

Sincerely,

*********************
Business response
01/26/2024
Merchants' Credit Guide Company is a contracted Business Associate of *********************, and therefore, under the rules of HIPAA,is authorized to receive protected health information to the extent necessary to secure payment for the covered entity, *********************. ***re is no contract needed between our company and ************* He received medical treatment at the hospital. *** hospital billed his insurance. ***y received payments and credit from the insurance and applied it to the balance due. ***re remains a self-pay portion on eleven accounts. *** hospital billed ************* He did not pay these balances. *** hospital placed the accounts with our company to collect. Again, we remain happy to work with ************ to come up with a manageable monthly payment plan to resolve these accounts. We will resend the account documentation to ************, to the address provided in this complaint. *** documentation will include copies of the itemized statements of each of the eleven accounts, and the signed Agreements and Authorizations. Upon receipt, we look forward to hearing from ************ should he have any further questions.
Initial Complaint
01/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with *********************. I do not have a contract with Merchants Credit Guide, and they did not provide me with an original contract as requested.
Business response
01/22/2024
**************** is incorrect. She is liable for the accounts with *********************. ********************* referred three accounts to our company for collection. We have discussed these accounts with her on 3/8/22. **************** paid one of the accounts back on 3/21/22. Two accounts remain unpaid. She does not have a "contract" with our company. There are agreements and authorizations she signed with the hospital on the dates of service. We have requested those agreements and authorizations, along with a detailed itemization of the charges, the insurance payments and discounts/adjustments, and the remaining self-pay balance due, and will forward them to **************** upon receipt. After she has had a chance to review the information, we would encourage ************** to call us with any further questions. We remain ready to assist **************** find a manageable plan to resolve these last remaining accounts.
Customer response
01/23/2024

Complaint: 21143121

I am rejecting this response because:
I do not have an agreement or contract with Merchants Credit Guide, nor do I authorize or agree with this company obtaining my health information; itemized or otherwise from any entity. I do not authorize access to my protected health information. This would be a violation of my health information privacy rights under the **************** Portability and Accountability act.

Sincerely,

*******************
Business response
01/26/2024
Merchants' Credit Guide Company is a contracted Business Associate of *********************, and therefore, under the rules of HIPAA, is authorized to receive protected health information to the extent necessary to secure payment for the covered entity, *********************. ***re is no contract needed between our company and ***************** She received medical treatment at the hospital. *** hospital billed her insurance. ***y received payments and credit from the insurance and applied it to the balance due. ***re remains a self-pay portion on these two accounts. *** hospital billed ***************** She did not pay these balances. *** hospital placed the accounts with our company to collect. Again, we remain happy to work with **************** to come up with a manageable monthly payment plan to resolve these accounts.
Customer response
01/26/2024

Complaint: 21143121

I am rejecting this response because: As merchants credit guide stated, i do not have a contract with them and I do not owe them any monies as they have never provided a service to me. I have not, and do not authorize my personal medical information to be released to Merchants Credit Guide. I request Merchants Credit Guide to povide documentation that I signed stating that I have received a sevice ftom them, the amount I agreed to pay them and for what services this company has provided to me. If this cannot be provided, both statements in question are to be removed from Equifax, TransUnion, and Experian immediately.

Sincerely,

*******************
Initial Complaint
01/12/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My father *********************** passed away the week of Thanksgiving 2023.I have informed Merchants credit Guide on 3 occasions that he has passed away..no response and no acknowledged. The company simply tends to ignore vital correspondence of a deceased person's family . Im.hoping to get this resolved.
Business response
01/29/2024
We have received notice of ******************************* death. Our condolences to Ms. *********** The accounts for her father have been closed.
Customer response
01/29/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

Leixy Blue
Initial Complaint
01/04/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
*** not liable for this debt with charter communications, I do not have a contract with Southwest Credit Systems,LP. they did not provide me with the original contract as i requested
Business response
01/05/2024
We don't have any accounts from Southwest Credit systems. *************************** has three accounts from ********************* that were placed with our company for collection. We are the second agency to attempt to collect these accounts. We have attempted to contact *************************** on several occasions, but we've received no response. We have never received a request for verification. We will request this account verification documentation and send it to Shuray. Upon receipt, we would ask ****** call us with any further questions. We remain happy to work with Shuray to come up with a manageable monthly payment plan.
Initial Complaint
01/02/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with South ******************* Medi. I do not have a contract with Merchants Credit Guide. They did not provide me with the original contract as I requested.
Business response
01/12/2024
In light of the information provided by **************, we are taking the necessary steps to remove this collection item from her credit reports. We will mail her a letter confirming said deletion.
Initial Complaint
12/26/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
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 requested.
Business response
01/05/2024
************** is responsible for this debt. *** hospital sent the account to us to collect. She recently sent a $391.00 payment to the hospital. She still owes $499.00. We're happy to work with her to resolve this account in a manageable way, when she's ready.
Customer response
01/05/2024

Complaint: 21054985

I am rejecting this response because:

Sincerely,

***********************
Business response
01/08/2024
She did not provide a reason for the rejection. Our initial response still stands.

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