To Whom It May Concern: We do not show that we have ever had a conversation with Mr [redacted] , so we can't quite understand how he would say we used vulgar languageMr [redacted] account was placed in our office on 3-1-We sent Mr [redacted] a validation letter on 3-2-Mr [redacted] has never disputed his account in the day time frameWe sent Mr [redacted] another letter the day we received the Revdex.com letterThe mail was sent prior to receiving the Revdex.com letterMr [redacted] also say that his account is not even owedThe day we received the Revdex.com complaint we called our client to verify his account, and per the original creditor the account is still owingWe have attached an itemized statement for your review to forward to Mr [redacted] Per Mr [redacted] he has requested no further contactWe have placed his account into a do not call or bill status per his request, and removed all telephone numbers from his accountIf Mr [redacted] would like to take care of his account, he is more than welcome to give us a call to make arrangements at 864- [redacted]
[redacted] First off we would like to apologize for the miscommunication of the conversation We listen to the recording and our collector said you stated that you wanted to pay $per month He was trying to inform you that we have a minimum payment on certain balances and that is $per month According to your balance we would accept payments but our client ask that we set a minimum balance [redacted] we would be more than delighted to set up payment arrangements, but do understand that this will not keep it off of your credit report unless you make that minimum payment on a secure monthly draft either debit card, credit card, or check by phone You are more than welcome to call our office and speak with another supervisor name [redacted] and she will assist you in any payment arrangements that you would like to set up You may contact us at [redacted]
Ms [redacted] , We would like to start off first by saying we log all our calls into our systemNot sure if you are confused or have more calls coming in, but we do not call you dailyAccording to our records we have called you at the most or times in a day time frameAlso our records indicate that we have never actually had a conversation with you; when we attempt to call your house we always get an answer machine or a no answerWe have left several messages for you, but have never received a returned phone call from youWe also checked your phone number in our system just to make sure it was not related to another file, and found no one else in our system registered with your telephone number so we have no other choice but to think you may be confused with our company and other companiesIf you would like to resolve your accounts in our system, please contact us at 864- [redacted] We will be glad to have one of our collection representative help you get matters resolved
Mr***, We have received and read your complaint in reference to Ms [redacted] ***We are limited to the information we may discuss with you which pertains to this account, because you are considered a third partyWe do not have permission on file to discuss your wife's account with youWe understand your frustration, but we have resolved all issues with your wifeWe actually spoke with her and she was very satisfied, so we are not quite sure why we keep receiving these letters and reviews from youOn a review you sent separate you addressed our business as [redacted] CreditThe name of our company is Merchants Credit Associate, so we don't know if you are confusing our business with another businessAlso if your wife has any further questions, please have her to contact our office and we will be glad to assist her with her accountIf you would like to speak with us about your wife account, please have her call and grant us permission to release information to you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I simply asked for an apologyNot an "we apologize but.." say sorry, admit you were in the wrong and move on! I guess in your line of work yelling at the customer and hanging up on them is also protocol? Regards, [redacted]
Dear [redacted] We have reviewed the conversations that you had with our representatives We show no negligent in our conversations We show that you have an outstanding debt that has been our office since We have spoken with you on several occasions, and even offered you a settlement to get your account paid in full You have repeatedly disputed this account on your credit bureau file We have flagged the account as a disputed account on your credit file with the remains that you do still owe the debt Our representatives were only doing their jobs when they called you about the debt You were very rude and told them that they don’t need to tell you about a debt and that you would pay when you were ready to pay You also told the supervisor that you didn’t need a settlement that you would pay what you owed, but has yet failed since to make the first paymentAlso you have requested that we remove your number and no further contact We have granted your request and removed all numbers from your file If you have any further questions or see that you are ready to settle your account feel free to contact our office at [redacted]
We do not like sneaky business practices and assuming that a collection agency does not have to communicate with the consumer to receive approval for new collection bills that have to be paid is arrogant and wrongWe realize that the medical bills have to be paid, however we need to know which bills are being clearedPaying on past due bills the way Merchants Credit collects, you never know which bills are being resolved and or paid off? Merchants Credit assumes they can charge for any bills that are received from the same HospitalHow do we know which they are paying on and when a outstanding debt is clearedThey offer no communication and when we tried to call for clarification on same, the phone rings and rings or leave a message and nobody call us backThis practice needs to be cleaned up through the court systemMy question to the Revdex.com was, is this a standard practice in collection agencies, to pay off one agreed to bill and start on another without the consumer knowing? What the heck are they doing and why? Is info the Revdex.com collected on a specific merchant or group of merchants available to the public and how do we access that info? Sincerely, [redacted] ***
To Whom It May Concern, After receiving the complaint that Ms*** was still unsatisfied, we made a business decision to contact Ms*** directlyWe spoke with Ms*** on 8-29-and happily resolved the issueMs*** stated that she was satisfied
Mr***, We received your complaint to the Revdex.comWe are showing that we billed you three times and we did not receive any of the letters back by mailWe have contacted the original creditor and they also notified you with several lettersThey also stated that you gave them a credit card for the balance and the card declineThey also noted that you had given them a check previously and the funds were not available and the check bouncedWith all that being said you were well aware of the accountWe also show records that we spoke with you on several occassions and you refused and hung up on usWe are more than delighted to send you another copy of the billI have attached it with your Revdex.com document and I also I have placed a letter in the mail for you reviewIf you have any further questions, please don't hesitate to call the office at 864- [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Ms***, We sincerely apologize about this mix upOur client did place your account with two different companiesprotocol is they do not send the same account to two different placesMrL [redacted] was unaware that the account was sent to the other agency, because as stated this is not a procedure for themMrL [redacted] had no knowledge that your account was with another company so therefore he was trying to make you aware if the account was not taken care of, there was a possibility that it would go against your credit fileMs [redacted] I hope you are aware that we are a collection agency and people tell us all day [redacted] that they have paid the client or set up payment arrangements, but without any proof there is no way to tellHowever our records show that MrL [redacted] did send your account to the clerical department after your callHe requested the clerical department to call the original client and verify if your account was indeed with another companyAt that time our client did advise us of their error, and requested that your account be canceled with our agencyWith that being said your account was immediately canceled and returned to the original creditorIf you need further information about this account and the arrangements you would need to contact the original creditor, because we no longer handle that accountOnce again we apologize for the mix up
Ms***, We show that your check returned from the bank with insufficient funds However, it is not our policy to notify you that your check returned before it will be placed on your credit file When we spoke to you before you submitted the check, and we made you aware that your bill needed to be paid by end of the month so that it would not affect your credit We did not know that your check would return However, we received your check on 6-29-back from the bankThe same day we left you a message to notify you that your check had returned, but you failed to return our call In most cases the consumer knows before we know that a check did not clear their bank, with that being said you should have contacted our office to let us know about your situation We do show that you disputed the account, and we have taken the account off your credit file since it was paid in full If you have any other questions, please feel free to call us
To Whom It May Concern: We do not show that we have ever had a conversation with Mr [redacted] , so we can't quite understand how he would say we used vulgar languageMr [redacted] account was placed in our office on 3-1-We sent Mr [redacted] a validation letter on 3-2-Mr [redacted] has never disputed his account in the day time frameWe sent Mr [redacted] another letter the day we received the Revdex.com letterThe mail was sent prior to receiving the Revdex.com letterMr [redacted] also say that his account is not even owedThe day we received the Revdex.com complaint we called our client to verify his account, and per the original creditor the account is still owingWe have attached an itemized statement for your review to forward to Mr [redacted] Per Mr [redacted] he has requested no further contactWe have placed his account into a do not call or bill status per his request, and removed all telephone numbers from his accountIf Mr [redacted] would like to take care of his account, he is more than welcome to give us a call to make arrangements at 864- [redacted]
[redacted] First off we would like to apologize for the miscommunication of the conversation We listen to the recording and our collector said you stated that you wanted to pay $per month He was trying to inform you that we have a minimum payment on certain balances and that is $per month According to your balance we would accept payments but our client ask that we set a minimum balance [redacted] we would be more than delighted to set up payment arrangements, but do understand that this will not keep it off of your credit report unless you make that minimum payment on a secure monthly draft either debit card, credit card, or check by phone You are more than welcome to call our office and speak with another supervisor name [redacted] and she will assist you in any payment arrangements that you would like to set up You may contact us at [redacted]
Ms [redacted] , We would like to start off first by saying we log all our calls into our systemNot sure if you are confused or have more calls coming in, but we do not call you dailyAccording to our records we have called you at the most or times in a day time frameAlso our records indicate that we have never actually had a conversation with you; when we attempt to call your house we always get an answer machine or a no answerWe have left several messages for you, but have never received a returned phone call from youWe also checked your phone number in our system just to make sure it was not related to another file, and found no one else in our system registered with your telephone number so we have no other choice but to think you may be confused with our company and other companiesIf you would like to resolve your accounts in our system, please contact us at 864- [redacted] We will be glad to have one of our collection representative help you get matters resolved
Mr***, We have received and read your complaint in reference to Ms [redacted] ***We are limited to the information we may discuss with you which pertains to this account, because you are considered a third partyWe do not have permission on file to discuss your wife's account with youWe understand your frustration, but we have resolved all issues with your wifeWe actually spoke with her and she was very satisfied, so we are not quite sure why we keep receiving these letters and reviews from youOn a review you sent separate you addressed our business as [redacted] CreditThe name of our company is Merchants Credit Associate, so we don't know if you are confusing our business with another businessAlso if your wife has any further questions, please have her to contact our office and we will be glad to assist her with her accountIf you would like to speak with us about your wife account, please have her call and grant us permission to release information to you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I simply asked for an apologyNot an "we apologize but.." say sorry, admit you were in the wrong and move on! I guess in your line of work yelling at the customer and hanging up on them is also protocol? Regards, [redacted]
Dear [redacted] We have reviewed the conversations that you had with our representatives We show no negligent in our conversations We show that you have an outstanding debt that has been our office since We have spoken with you on several occasions, and even offered you a settlement to get your account paid in full You have repeatedly disputed this account on your credit bureau file We have flagged the account as a disputed account on your credit file with the remains that you do still owe the debt Our representatives were only doing their jobs when they called you about the debt You were very rude and told them that they don’t need to tell you about a debt and that you would pay when you were ready to pay You also told the supervisor that you didn’t need a settlement that you would pay what you owed, but has yet failed since to make the first paymentAlso you have requested that we remove your number and no further contact We have granted your request and removed all numbers from your file If you have any further questions or see that you are ready to settle your account feel free to contact our office at [redacted]
We do not like sneaky business practices and assuming that a collection agency does not have to communicate with the consumer to receive approval for new collection bills that have to be paid is arrogant and wrongWe realize that the medical bills have to be paid, however we need to know which bills are being clearedPaying on past due bills the way Merchants Credit collects, you never know which bills are being resolved and or paid off? Merchants Credit assumes they can charge for any bills that are received from the same HospitalHow do we know which they are paying on and when a outstanding debt is clearedThey offer no communication and when we tried to call for clarification on same, the phone rings and rings or leave a message and nobody call us backThis practice needs to be cleaned up through the court systemMy question to the Revdex.com was, is this a standard practice in collection agencies, to pay off one agreed to bill and start on another without the consumer knowing? What the heck are they doing and why? Is info the Revdex.com collected on a specific merchant or group of merchants available to the public and how do we access that info? Sincerely, [redacted] ***
To Whom It May Concern, After receiving the complaint that Ms*** was still unsatisfied, we made a business decision to contact Ms*** directlyWe spoke with Ms*** on 8-29-and happily resolved the issueMs*** stated that she was satisfied
Mr***, We received your complaint to the Revdex.comWe are showing that we billed you three times and we did not receive any of the letters back by mailWe have contacted the original creditor and they also notified you with several lettersThey also stated that you gave them a credit card for the balance and the card declineThey also noted that you had given them a check previously and the funds were not available and the check bouncedWith all that being said you were well aware of the accountWe also show records that we spoke with you on several occassions and you refused and hung up on usWe are more than delighted to send you another copy of the billI have attached it with your Revdex.com document and I also I have placed a letter in the mail for you reviewIf you have any further questions, please don't hesitate to call the office at 864- [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Ms***, We sincerely apologize about this mix upOur client did place your account with two different companiesprotocol is they do not send the same account to two different placesMrL [redacted] was unaware that the account was sent to the other agency, because as stated this is not a procedure for themMrL [redacted] had no knowledge that your account was with another company so therefore he was trying to make you aware if the account was not taken care of, there was a possibility that it would go against your credit fileMs [redacted] I hope you are aware that we are a collection agency and people tell us all day [redacted] that they have paid the client or set up payment arrangements, but without any proof there is no way to tellHowever our records show that MrL [redacted] did send your account to the clerical department after your callHe requested the clerical department to call the original client and verify if your account was indeed with another companyAt that time our client did advise us of their error, and requested that your account be canceled with our agencyWith that being said your account was immediately canceled and returned to the original creditorIf you need further information about this account and the arrangements you would need to contact the original creditor, because we no longer handle that accountOnce again we apologize for the mix up
Ms***, We show that your check returned from the bank with insufficient funds However, it is not our policy to notify you that your check returned before it will be placed on your credit file When we spoke to you before you submitted the check, and we made you aware that your bill needed to be paid by end of the month so that it would not affect your credit We did not know that your check would return However, we received your check on 6-29-back from the bankThe same day we left you a message to notify you that your check had returned, but you failed to return our call In most cases the consumer knows before we know that a check did not clear their bank, with that being said you should have contacted our office to let us know about your situation We do show that you disputed the account, and we have taken the account off your credit file since it was paid in full If you have any other questions, please feel free to call us