Merchants and Professional Bureau

Revdex.com- [redacted] *** 10-29-15Mr [redacted] called me yesterdayAfter discussing the situation, I instructed him on what information and documents I would need from him in order to determine this is a case of identity theftHe agreed to send me that informationI told him once I receive the information I will review and determine if this account should be removed from his credit file.After receiving the “rejection” comments this morning from him through the Revdex.com site, I called himHe said he had responded to my answer before speaking with me on the phone yesterdayWe have agreed to continue with the process of determining this is an identity theft situation[redacted] Tell us why here

Complaint: [redacted] I am rejecting this response because: The response does not resolve the claim and they are choosing to stand by a SCAM. No credit was issued at any time for this to be reported on my history of flawless credit reports. The [redacted] representative was running a scam when he asked for my signature and social security number and said it was protection against the check I paid in full for the 1 time service that day. I was not told I did not have to read anything because I was paying by check. They lied to me and had a motive to later con me for more money for days of no service and then charge a cancellation fee. This Collection company is representing a SCAM. A crime that was committed. I don't care how many times you or [redacted] have or try to reach out to me- I am not paying on this SCAM. I have had a responsible and excellent history of paying for credit. As this was not a credit transaction, it should not be on my credit reports.- this was a SCAM. I do not pay on scams or their representatives. Regards, [redacted] ***

MPB emphatically denies MrMehra’s statement that we are “helping support unethical companies by improperly facilitating claims” I have reviewed the pages of documentation our client provided when they assigned the account and I completely understand why they billed for services rendered However, it is obvious that MrMehra has no intention of paying our client for their many hours spent on his company’s computer issuesTherefore, we have cancelled and returned the account back to our clientWe have informed them that any future collection attempts by us would not be successful and they should consider other methods, if they wish to pursue this outstanding balance dueTell us why here

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]

Merchants and Professional Bureau, Inc., dba Merchants and Professional Collection Bureau, Inc., is a third party debt collection companyOur clients assign their past due bills to our office to aid them in the collection of monies due them for services they renderedTherefore, no, Ms [redacted] does not have a contract with our company and no, we did not render services to herBut, our client, [redacted] *** did provide services to Ms [redacted] in May of They assigned this account to our office on January 6, because the balance on Ms [redacted] account of $had never been paidWe mailed the first required notification on January 7, to the same address Ms [redacted] shows on this Revdex.com complaintAmong other things, it also notified her of her right to dispute the debtWe did not get a response from Ms [redacted] Over the next two month period, we mailed her three more letters and did not receive a responseOn May, 15, 2017, we responded to an inquiry from Equifax through the EOscar system confirming the accuracy of the data we had reportedOn August 2, 2017, we again responded to an inquiry from Equifax through the EOscar system confirming the accuracy of the data we had reportedWe have never received a written or verbal dispute of the debt directly from Ms [redacted] After receiving this Revdex.com complaint, we contacted our client for complete validation of the debtOur client provided the required documents todayWe will put our client’s validation in the mail to Ms [redacted] We have marked the account as a “disputed” collection account and it is being reported as such Tell us why here

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] ***

Complaint: [redacted] I am rejecting this response because: I have never received a validation of debt letter nor the original contract as requesting which would identify who Merchant and Professionals is and what creditor they represent or bought this debt fromI have yet to receive any thing from this companyI don't recall ever getting a call and if there was one made in 2012, I am sure I requested a validation letter and the original contract which was never sentI am asking that the contract with my signature and the validation of letter be sent immediately via certified mail or remove the inquiry from all three credit bureausI will provide my address below Regards, [redacted] ***

I am sorry you are having a problemI have tested on our end and it is working correctlyWe have received numerous payments already today through this sitePlease retryYou can go straight to the payment portal page at “mpbcredit.com/pay” or you can go to our company website “mpbcredit.com” and click on the button “PAY ON LINE NOW” to get to the portal payment If you are unable to pay on line please call me at ###-###-#### Regards, [redacted]

The two accounts Ms [redacted] referenced in her complaint was assigned to us by our client, [redacted] The first account was assigned on April 10, and we mailed the required first notification letter on April 11, The second account was assigned on November 19, and we mailed the first required notification letter on November 20, As required by law, our first notification letter states the person’s rights and the required “Mini-Miranda”Several more letters were mailed on each accountAll letters included the required “Mini-Miranda”None of the numerous letters we mailed were returned by the Post Office as undeliverableMs [redacted] did not respond to any of our letters We did try several times to reach Ms [redacted] by phone but we were unsuccessful in making contact On May 22, 2017, we received a dispute letter from Ms [redacted] dated May 16, 2017, requesting validation of the two accounts On June 15, 2017, we mailed complete and proper validation to MsShepard on both accountsThis correspondence also included the “Mini-Miranda” on our cover letter The law requires us to state the “Mini-Miranda” when we speak with a person over the phone or in personIt also requires us to state the “Mini-Miranda” on all letters sent to the personAll our letters are printed with the Mini-MirandaWe have only communicated with Ms [redacted] by mail Merchants and Professional Bureau, Incdoes not purchase debtOwnership of all accounts remains with the original provider of services We have not violated any laws Regards, [redacted] Chief Operating Officer Tell us why here

Revdex.com- [redacted] Case # [redacted] MPB account # [redacted] Our response was not intended to be “sarcastic” but a factual detailed report of how the account was handled In regards to her statement that we told her we don’t own the debt, we would never make that commentAs I stated previously, we don’t purchase debtsOur clients remain “owners” of the debts, at all times I explained in our earlier response, our representative did mistakenly state the account had been returned to our client because of the cease and desist statusHer request for a letter? Ms [redacted] contacted me yesterday by phone and paid the balance dueI mailed her a letter stating the balance has been paid and will be removed from her credit fileI went on line yesterday after her call and submitted a request to have the account removed from her file I will reiterate we did not, nor did our client, violate the HIPAA law by supplying the itemized statement of charges to Ms [redacted] .Our phone recordings are for our internal useWe will not be providing a “hard copy” to Ms [redacted] If she would like to make an appointment with me and come to our office, I can let her listen to the calls[redacted] Tell us why here