Merchants Credit Association

We are writing in response to the complaint received by our office on October 17, Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] may have withour agency If you have questions regarding this matter please do not hesitate to contact our officeThis is acommunication from a debt collector attempting to collect a debtAny information will be used for thatpurpose Sincerely,laJ SW [redacted] Collection ManagerSW/ PNF

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 meSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Again I do not owe this money Attached is permission for you to discuss my accountwith collections.Sincerely, [redacted] ***Document redacted by Revdex.com***

Complaint: [redacted] I am rejecting this response because: This company sent me a consent form to shared my personal health info, without limitation, to the Revdex.comMy complaint did not concerning allegedly specific, but the fact that these people told me that it would be illegal to send written documentation to me at my mailing addressIf you honestly think that you need to share my health info in order to reply that, if applicable, you have sent me info regarding this matter at the address I requested, please reference any applicable laws and how my specific complaint relates to themIf applicable please feel free to send a less broad consent form Thank youSincerely, [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 Sincerely, [redacted] ***except what business response where is the business response where can I view what they responded

Please see our response, which is attachedThe original will be mailed today Case# [redacted] / [redacted] - [redacted] We are writing in response to the complaint received by our office regarding [redacted] and your Case# [redacted] Our records indicate Ms [redacted] was referred to our agency for collections on multiple occasionsMerchants Credit Association has made several attempts to resolve the outstanding balance Ms [redacted] has with our officePlease be advised, our office referred Ms [redacted] accounts to our Legal Department, and judgment was entered on June 4, Please reference East Division, Issaquah Courthouse, King County District Court, Case# [redacted] In an attempt to mediate the situation, the consumer is welcome to contact me at the number below and we will attempt to work out a mutually beneficial payment arrangementIf you have questions regarding this matter please do not hesitate to contact our officeThis is a communication from a debt collector attempting to collect a debtAny information will be used for that purposeSincerely,

Complaint: [redacted] I am rejecting this response because: I do not authorize Merchants Credit Association to release any personal or confidential information, regarding any files they may have in association to this complaint I sent MCA a formal letter, requesting validations of all attempted accounts mailed directly to my address that I provided to MCA Sincerely, [redacted]

April15, 2016Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# [redacted] I [redacted] We are writing in response to the complaint received by our office on April11, 2016.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] mayhave with our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is acommunication from a debt collector attempting to collect a debtAny information will be used for thatpurpose.Sincerely,SW [redacted] Collection Manager

RE: Case# [redacted] / [redacted] We are writing in response to the complaint received by our office on July 21, Please find enclosed an authorization to release confidential informationPlease have the consumer sign and date the enclosed form and we would be happy to discuss any accounts [redacted] may have with our agencyIf you have questions regarding this matter please do not hesitate to contact our officeThis is a communication from a debt collector attempting to collect a debtAny information will be used for that purposeSincerely,

We are writing in response to the complaint received by our office on February 1, 2016.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] may havewith our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is acommunication from a debt collector attempting to collect a debtAny information will be used for thatpurpose

Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# [redacted] / [redacted] ***PBox I Bellevue, WA 98008Phone [redacted] I Fax [redacted] We are writing in response to the complaint received by our office on November 2, 2017.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] mayhave with our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is anattempt to collect a debt and any information obtained will be used for that purposeThiscommunication is from a debt collector.SW [redacted] Collection ManagerSW/ PNFCC: File [redacted] Your Key to Professional Collection Services Since 1937wwwmerchantscreditcom [redacted] Medical I Hospital I Dental I Healthcare I Professional I Municipalities I Retail/ CommercialRelease of Information and Consent_______________ , do hereby authorize MERCHANTSCREDIT ASSOCIATION, ("MCA") to exchange and/or discuss information relating to mycase, with the Revdex.com Serving Western Washington, Oregon, andAlaska, ("Revdex.com"), so the Revdex.com, at my request, may assist in the resolution of mycomplaint.In specific, and without limitation, I do hereby authorize the release and disclosure of myconfidential information including Personal Health Information ("PHI") by MCA, as isnecessary in the review and investigation of my complaintThis information mayinclude by example, and not by limitation, all information regarding medical treatments,procedures services or products received by me, together with payment, billing, andinsurance informationI understand the Revdex.com may re-disclose this information pursuantto their guidelines and practices in the complaint resolution process, including, but notlimited to, releasing the results to the public.This authorization, consent and release will expire after days unless revoked by mesooner in writing, by transmittal of a copy both to the Revdex.com and MCA, and effective upontheir receipt.Consumer's Signature Date

We are writing in response to the complaint received by our office on July 12, 2017.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] may havewith our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is anattempt to collect a debt and any information obtained will be used for that purposeThiscommunication is from a debt collector.S.W [redacted] ,Collection Manager***Document redacted by Revdex.com***

To Whom It May Concern: Mr [redacted] had disputed his accounts several times with the credit bureau Notice in his letter he said credit bureau, we are not the credit bureau we are Merchants Credit Association who do list with the credit bureaus When Mr [redacted] received his original letter on his accounts he had days to request a validation Being that we never heard from Mr [redacted] within the day period we are not required to validate any accounts after that period However we did received a letter directly from Mr [redacted] on 8-4-a few days after we received the better business complaint and in that letter Mr [redacted] requested we validate an account Since it was sent directly to us we did provide him with a copy of a bill The information that we are reporting to the credit bureau is correct on Mr [redacted] credit file so we have no obligation to delete any of his information If Mr [redacted] would like he is more than welcome to give our office a call and our trained collections department will be willing to discuss his information with him, so that he is aware what is being reported on his credit and why

Complaint: [redacted] I am rejecting this response because: This form, like the other one, asks me to authorize disclosure of my personal health information without limitationIt may even be the exact same form from earlierPlease refer to my previous rejectionThank youSincerely, [redacted]

RE: Case# [redacted] We are writing in response to the complaint received by our office on April 26, Please find enclosed an authorization to release confidential informationPlease have the consumer sign and date the enclosed form and we would be happy to discuss any accounts *** [redacted] may have with our agencyIf you have questions regarding this matter please do not hesitate to contact our officeThis is a communication from a debt collector attempting to collect a debtAny information will be used for that purposeSincerely,

Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327We are writing in response to the complaint received by our office on April3, 2017.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] mayhave with our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is acommunication from a debt collector attempting to collect a debtAny information will be used for thatpurpose.SW [redacted] Collection ManagerSW/ PNFCC: FileYour

RE: Case# [redacted] / [redacted] We are writing in response to the complaint received by our office on July 2, Please find enclosed an authorization to release confidential informationPlease have the consumer sign and date the enclosed form and we would be happy to discuss any accounts [redacted] may have with our agencyIf you have questions regarding this matter please do not hesitate to contact our officeThis is a communication from a debt collector attempting to collect a debtAny information will be used for that purpose

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 meSincerely, [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 so long as they remove the collection from my credit report ASAP Sincerely, [redacted] ***

Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# [redacted] / [redacted] PBox I Bellevue, WA 98008Phone (425) 643-I Fax (425) 643-8546We are writing in response to the complaint received by our office on January 25, 2018.Please find enclosed an authorization to release confidential informationPlease have the consumer signand date the enclosed form and we would be happy to discuss any accounts [redacted] may havewith our agency.If you have questions regarding this matter please do not hesitate to contact our officeThis is anattempt to collect a debt and any information obtained will be used for that purposeThiscommunication is from a debt collector.Sincerely,Collection Manager