Merchants Credit Association

RE: Case# [redacted] We are writing in response to the complaint made about our businessWe have completed ourinvestigation and report the following:Our office has eight accounts assigned to our agency for collection for Ms [redacted] and herhusband, [redacted] ***Notices were sent to the address on file for each account, giving daysto dispute the validity of the debtsThroughout the collection history ofthe above referencedaccounts, Ms [redacted] and her husband have made payments in $increments on threedifferent occasionsWe spoke to Ms [redacted] on January 13, 2016, at her place of employment.Our representatives did not discuss any possibility of legal action or garnishment of wages withMs [redacted] or Mr***We did however, attempt to explain to Ms [redacted] that WashingtonState is a community property stateMs [redacted] told us not to contact her at workIt wasagreed, on January 14, 2016, during a telephone conversation between our office and Ms[redacted] 's husband, payments of$a month would be acceptableThe next communicationwe received was from the Revdex.com, stating Ms [redacted] had made a complaintagainst Merchants Credit AssociationPlease be advised, the outstanding balance for Ms [redacted] and her husband, is $3,Ms [redacted] mailed a letter to our office, which was received onFebruary 1, 2016, stating she wanted us to cease and desist our collection activityI would behappy to work with Ms [redacted] and her husband to resolve this balance, however, we wouldneed her to revoke her cease and desist request, in writing.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 usedfor that purpose Sincerely, SW [redacted]

Complaint: [redacted] I am rejecting this response because:they have made many violations An have continued I do not want to speak with a rep I have tried that route already this debt collector does not have the right to contact me I have signed no contract with them they're asking for authorition to release confidential information which they have already on the phone, they should not have access to my medical records that is a hippa violation Sincerely, [redacted] ***

We are writing in response to the complaint received by our office on December 14, 2015.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 *** *** 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

Complaint: ***I am rejecting this response because: Just want to know if it's going to show Paid on my credit report or completly removed? Asking for it to be remove
since I feel I NEVER owed this amount.Sincerely,*** ***

I rejected because nothing was resolved

Complaint: ***I am rejecting this response because: This is not a resolution to the circumstances I want to pay the debt but not all the interest that has been added since they never contacted me I was told they sent a letter to my previous address when they received the debt yet i've lived in my current address for over years and also told that they do not send a second notice they say they have tried to call me and I will gladly pull my phone records to show I have never received a call from them until after this complaint and that call was to accept the payment plan I was trying to set up to start paying this until we reached a resolution in october the notice they say they sent was mailed to the wrong address again after I had given them the missing apartment number I can prove all this through the recordings of my conversations with merchants which I can also email to the Revdex.com if they need it I feel its fair this injury was sent to multiple collection agency"s which had no problem contacting me and have now been paid off for a few years and this one would either be paid off or almost paid off by now without having the extra $in interest ever reaching that high its not my fault that the communication between them and *** *** was poor and I would really like to start making payments on this debt but not the interest gained by the lack in attempts to tell me there was a debt I strongly believe that the goal for merchants was to just let it collect interest resulting in a larger debt for them to collect on im feeling very harassed by the fact that they think its ok to charge interest without informing me of the debt and if we can not reach a resolution through the Revdex.com that I should start seeking legal help I currently can only afford $- $per month now that I have a child to raise which wouldnt have been the case had I known about this in when they received the debt Sincerely,*** ***

Complaint: ***
I am rejecting this response because:it was not resolved
Sincerely,
*** ***

Dear Ms***,We are writing in response to the continued complaint made about our business, which wasreceived by our office on December 5, Please reference Case#***.We have reviewed Ms***'s most recent responsePlease be advised, once an account iscancelled with our office, it is requested to be deleted on our next correspondence to the creditbureau, which is the last business day of the monthIn an attempt to mediate the situation, wehave, as a courtesy, sent a removal request to Equifax today, and have forwarded a copy of theUniversal Data Form to Ms*** via U.SMail.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 usedfor that purpose.Sincerely,SW***,Collection Manager

MERCHANTS CREDITASSOCIATIONJanuary 15, 2018*** *** ***
*** *** ***
** *** ***
*** ** ***RE: Case# ***/ *** ***PBox I Bellevue, WA 98008*** *** *** * *** *** ***We are writing in response to the complaint received by our office on
1/15/18.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 *** *** may have withour 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.7JJ / SW***,Collection Manager

Please see our response in the attached
Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# ***/ *** *** ** *** *** * *** ** ***Phone (425) 643-2613 Fax (425) 643-8546We are writing in response to the complaint received by our office on
January 5, 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 *** *** 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.Sincerely, SW***Collection Manager

We are writing in response to the complaint received by
our office on June 13, 2017.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 *** *** may have with
our
agency.If you have questions regarding this matter please do
not hesitate to contact our officeThis is an attempt to collect a debt and
any information obtained will be used for that purposeThis communication is
from a debt collector

Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA
RE: Case# ***/ *** ***
We are writing in response to the complaint received by our office on January 27,
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 *** *** 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 co llect a debtAny information will be used for thatpurpose
Sincerely, JW***,Collection Manager
***Please see the attached "Release of Information and Consent" form.***

We are writing in response to the complaint Mrs*** *** made about ourbusinessWe have completed our investigation and report the following:Mrs*** and her
husband were assigned to our agency for collection by ourclients Highline Medical Center and Virginia Mason Hospital and ClinicsValidationnotices giving Mrand Mrs*** days to dispute the validity of their debts,were sent to *** *** DR, ***, ** ***Merchants Credit Associationhas attempted to contact Mrand Mrs*** via telephone and in writing onmultiple occasions, however, no response was receivedSome of Mrand Mrs.***'s accounts were included in a lawsuit in King County District Court,Case#***A copy of the judgement is enclosedWe have requested a copy ofthe itemized statements not included in the lawsuit and will forward to the consumersupon receiptWe would be interested in working out a mutually beneficialarrangement, should Mror Mrs*** choose to contact our office.If you have questions regarding this matter please do not hesitate to contact our office.This is a communication from a debt collector attempting to collect a debtAnyinformation will be used for that purpose.Sincerely,Alexandra S*Merchants Credit AssociationCredit and Collection Compliance Officer***Documents redacted by Revdex.com***

We are writing in response to the complaint received by our office on January 27,
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 *** *** 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
SW***,Collection Manager

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
This is agreeing that they can share my information they have on file
Sincerely, *** ***

Revdex.com
Consumer Complaints Division
PO Box DuPont WA RE: Case# ***/ *** *** *** We are writing in response to the complaint received by our office on July 29, 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 *** *** *** 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
***SUPPORTING DOCUMENTS REDACTED BY Revdex.com***

Please see attached response, which was mailed to your office on May 14,
Revdex.com Consumer Complaints Division PO Box DuPont WA RE: Case# ***/ *** *** We are writing in response to the complaint received by our office on May 13, 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 *** *** 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,
***SUPPORTING DOCUMENTS REDACTED BY Revdex.com***

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 *** *** 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***,Collection Manager***Documents redacted by Revdex.com***

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

Good Evening,
I am not sure which consent form is needed, in order to proceed?
I do not want MCA to share my personal and private information, that can be published on the reader-board
Please clarify, which consent is needed
Thanks so much