ComplaintsforMerchants & Medical Credit Corporation
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Complaint Details
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Initial Complaint
05/02/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with ***********************. I do not have a contract with merchants and medical credit, they did not provide me with the original contract as I requested.Business response
05/02/2024
The consumer doesn't indicate why he isn't liable for this debt. We don't need a contract with this consumer. Our contract is with his creditor. We never talked with the consumer and he didn't send us a request for the original contract. We marked the file as "disputed" for credit bureau reporting.Initial Complaint
04/30/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with *********************************************** Credit. I do not have a contract with *********************************************** Credit they did not provide me with the original contract as requested.Business response
04/30/2024
This consumer did not specify which account he disputes nor why he is not liable for the debt. He has not asked for the original contract for any account. We do not need a contract with the consumer to collect our clients' debts from the consumer.Initial Complaint
03/31/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
MERCHANTS & MEDCAL - 1387****To ensure absolute accuracy in reporting, it is imperative that the non-creditor provides only 100% accurate credit information. Every possible measure must be taken to ensure the reported information is entirely correct. Consequently, the following information urgently requires reinvestigation.I demand immediate proof of the alleged item, specifically the original application, contract, note, or any other document bearing my signature. Despite the non-creditor's claim to send the requested information by mail, I perceive this as a delay tactic, which I believe constitutes a blatant violation of the FCRA.Debt buyers, not being creditors, have inaccurately listed a collection agency as a creditor on my report. This flagrant violation of the FDCPA's creditor definitions must be rectified without delay.According to 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation G) 1006.2(g) Definitions, a creditor is defined as any person who offers or extends credit, excluding those who receive an assignment or transfer of a debt in default solely for debt collection purposes.Furthermore, 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation F) specifies that the term debt collector excludes certain individuals, including any officer or employee of a creditor while collecting debts for the creditor, and any person acting as a debt collector for another person.This account is inaccurately reported under 15 U.S.C. 1692g regarding the validation of debt. Moreover, the collector's attempt to collect a debt not mine constitutes a severe violation of 15 U.S. Code 1692k - Civil liability. I have attached the definition of the law as evidence of my rights.It is imperative that this inaccurate account be immediately removed from my credit report, as its presence is causing significant personal distress. Failure to act promptly will result in the imposition of the $1,000 fine for each violation of the law.Business response
04/03/2024
We have sent this consumer validation of debt. We have also spoken to this consumer concerning this debt. Our investigation leads us to believe that our credit reporting is correct.Initial Complaint
03/20/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have a outstanding balance with ***** Credit of $3,893. I'm hoping to work with them in some way shape or form to get this removed and deleted from my credit statements. I just need help getting this resolved.Business response
03/21/2024
This is the second BBB complaint from this consumer. The first complaint claimed the consumer didn't have a contract with our client. (BBB Case# ********) In the current complaint the consumer claims to want to work with us to get the debt off the consumer's credit statements. We will try to contact the consumer to see if we can resolve this debt. The consumer can also call us at ************ to resolve the issues.Initial Complaint
02/26/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I'm not liable for this debt with ******************************. I do not have a contract with Merchants & Medical Credit Corporation. They did not provide me with the original contract as requestedBusiness response
02/27/2024
This consumer gives us no reason that he is not liable for this debt. In fact, he has made a payment on his account. We are a third-party collection agency and therefore don't need to have a contract with the consumer. The consumer has never requested verification of debt from us. We don't have a reason to remove this account from the consumer's credit report.Customer response
02/27/2024
[A default letter is provided here which indicates your rejection of the business's response.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:
While a payment has been made on the account, it's crucial to ensure the accuracy of the debt. I may seek verification of the debt as per their rights under the Fair Debt Collection Practices Act. Clear communication and validation can help address any concerns and ensure the accuracy of the reported information.
Regards,
****************************Initial Complaint
02/25/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am not liable for this debit with MERCHANTS & MEDCAL. I don't have a contract with the collection agency that is trying to collect and has reported to mt credit report. They didnt not provide w=me with the original contract as requested.Business response
02/27/2024
We provided this consumer with validation of debt. We are a third-party collection agency and don't need a contract with the consumer. We have marked the account as "disputed" for credit reporting. We are not removing this account from ********************** reporting at this time.Initial Complaint
02/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
MERHCNATS amp MEDICAL ACCOUNT NUMBER: 1356 To ensure that the **************************** report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the ***** Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation G) 1006.2(g) Definitions. (g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation F) (2) The term debt collector excludes: (i) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name;(ii) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the $1,000 fine for breaking this law.Business response
02/21/2024
This consumer has never asked us for any documentation of the subject account. The consumer has not provided us with any reason or evidence that the debt is not accurate. We are a third-party collection agency and have permission to report this debt to the credit reporting agencies. The consumer has not given us a copy of the credit report claimed to be inaccurate. In summary, we have no reason to stop reporting this account to the ********************** reporting agencies.Initial Complaint
02/04/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with *****************************. I do not have a contract with Merchants & Medical Credit Corporation. They did not provide me with Original contract with my ID and signature.Business response
02/06/2024
Our contract is with *****************************. We need no contract with the consumer. We have three open accounts for this consumer for three different terms. We sent the consumer verification of debt for all three accounts. The consumer has not given us any reason the debts are not owed. We have fulfilled our obligations to the consumer.Initial Complaint
01/23/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I'm not liable for this debt with ******* 74 LLC. I do not have a contract with *********************************************** Credit, they did not provide me with the original contract as I requested.Business response
01/24/2024
This consumer gives no reason that the consumer does not owe the debt. The consumer has a contract with the creditor. There is no need for the consumer to have a contract with us - the collection agency. The consumer didn't ask for the contract. We have not talked to the consumer nor received any communication from the consumer.Customer response
01/27/2024
[A default letter is provided here which indicates your rejection of the business's response.
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of why I am rejecting this response appear below:
[You must provide details of why you are not satisfied with this resolution. Please type details here:]As stated by Merchants & Medical Credit collections agency, I was not contacted in regards of what the debt is that they have reported onto my credit report. Merchants & Medical Credit collection agency, did not provide an itemized breakdown of the debt owed. Nor, was I provided a verified contract with my written signature between myself and the original creditor, to prove that I owe this debt.
Regards,
*******************Business response
01/31/2024
We sent our first notice to this consumer on 9.6.23 at the last known address. This notice had a description of the debt. The consumer did not give a forwarding address when moving out. We still have no current address for this consumer. We have had no contact with the consumer.Initial Complaint
01/07/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this debt with 07 ******************************. I do not have a contract with the collection agency ***** Credit. They did not provide me with the original contract as I requested.Business response
01/09/2024
First of all, this consumer gives no indication why the consumer is not liable for this debt. We do not need to have a contract with the consumer - we are a third-party collection agency. We have never spoken to the consumer nor have we received any correspondence from the consumer. There was never a request for the original contract. This is a standard complaint without any merit.
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Customer Complaints Summary
54 total complaints in the last 3 years.
25 complaints closed in the last 12 months.