Merchants Credit Association

RE: Customer File ID# [redacted] and [redacted] Dear Ms. [redacted], We are writing in response to a complaint made against our business, which was received by our office on June 16, 2015. We have completed our investigation, and report the following: Our records indicate Mr. and...

Mrs. [redacted] were referred to our agency for collection by multiple creditors. Our records indicate we have had accounts since March 3, 2014. We have made several attempts to resolve the balance with Mr. and Mrs. [redacted] over several months. The balances were referred to our attorney for possible litigation on April1, 2015. The total outstanding balance for all active accounts for Mr. and Mrs. [redacted] is $ 1,101.90, which includes the cost of filing the lawsuit with the East Division, Issaquah Courthouse, King County District Court. Please be advised, a court date has been scheduled for July 21, 2015. 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 debt. Any information will be used for that purpose.

RE: Case# [redacted] [redacted] We are writing in response to the complaint received by our office on April 26, 2016. Please find enclosed an authorization to release confidential information. Please have the consumer sign and date the enclosed form and we would be happy to discuss any accounts [redacted]...

[redacted] may have with our agency. 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 debt. Any information will be used for that purpose. Sincerely,

Complaint: [redacted]
I am rejecting this response because Merchants Credit Association has ...⇄ see attached letter. 
Sincerely,[redacted] 
[redacted]SUPPORTING DOCUMENTS REDACTED BY Revdex.com[redacted]

Complaint: [redacted]I am rejecting this response because: I give them permission to talk to you I know I am three months behind I have health problems that have kept me from working full-time also when I am treated poorly it causes my bipolar disorder and anxiety disorder to act up.Sincerely,[redacted]

RE: Case# [redacted] We are writing in response to the complaint made about our business by Ms. [redacted] Spencer. Ms. [redacted] has refused to sign authorization to release. Merchants Credit Association's position is to protect a consumer's information and require signed consent to move forward. At what point does the Revdex.com close a complaint if a consumer is not willing to authorize us to discuss information that may or may not be in 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 debt. Any information will be used for that purpose. Sincerely,

We are writing in response to the complaint received by our office on December 1, 2016.
Please find enclosed an authorization to release confidential information. Please 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 office. This is acommunication from a debt collector attempting to collect a debt. Any information will be used for thatpurpose.
Sincerely,S. W[redacted]Collection Manager
     [redacted]Documents redacted by Revdex.com[redacted]

Complaint: [redacted]
I am rejecting this response because:The response is nothing more than a PDF letter asking me to sign a document about releasing my medical information. My Revdex.com complaint is not medical related so the business response is irrelevant to my complaint and only drags this issue out longer.The response I expect from the business is that they made a mistake and they will remove the bogus collection from my credit report immediately.
Sincerely,
[redacted]

Please see our response, which is attached. The original will be mailed today.
 Case# [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 occasions. Merchants Credit Association has made several attempts to resolve the outstanding balance Ms. [redacted] has with our office. Please be advised, our office referred Ms. [redacted] accounts to our Legal Department, and judgment was entered on June 4, 2015. 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 arrangement. 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 debt. Any information will be used for that purpose. Sincerely,

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]

We are writing in response to the complaint received by our office on October 17, 2016.
Please find enclosed an authorization to release confidential information. Please 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 office. This is acommunication from a debt collector attempting to collect a debt. Any information will be used for thatpurpose.
Sincerely,laJ S. W[redacted]Collection ManagerSW/ PNF

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]
        [redacted]Document redacted by Revdex.com[redacted]

RE: Case#[redacted]We are writing in response to the complaint made about our business. We 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 30 daysto dispute the validity of the debts. Throughout the collection history ofthe above referencedaccounts, Ms. [redacted] and her husband have made payments in $50.00 increments on threedifferent occasions. We 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. [redacted]. We did however, attempt to explain to Ms. [redacted] that WashingtonState is a community property state. Ms. [redacted] told us not to contact her at work. It wasagreed, on January 14, 2016, during a telephone conversation between our office and Ms.[redacted]'s husband, payments of$50.00 a month would be acceptable. The next communicationwe received was from the Revdex.com, stating Ms. [redacted] had made a complaintagainst Merchants Credit Association. Please be advised, the outstanding balance for Ms. [redacted]and her husband, is $3,134.19. Ms. [redacted] mailed a letter to our office, which was received onFebruary 1, 2016, stating she wanted us to cease and desist our collection activity. I 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 office. This is acommunication from a debt collector attempting to collect a debt. Any information will be usedfor that purpose.
Sincerely,
 
S. W[redacted]

April15, 2016Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# [redacted] I [redacted] [redacted] [redacted]We are writing in response to the complaint received by our office on April11, 2016.Please find...

enclosed an authorization to release confidential information. Please 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 office. This is acommunication from a debt collector attempting to collect a debt. Any information will be used for thatpurpose.Sincerely,S. W[redacted]Collection Manager

We are writing in response to the complaint received by our office on July 12, 2017.Please find enclosed an authorization to release confidential information. Please 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 office. This is anattempt to collect a debt and any information obtained will be used for that purpose. Thiscommunication is from a debt collector.S.W[redacted],Collection Manager[redacted]Document redacted by Revdex.com. [redacted]

Revdex.comConsumer Complaints DivisionPO Box 1000DuPont WA 98327RE: Case# [redacted]P. 0. Box 7416 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 information. Please 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 office. This is anattempt to collect a debt and any information obtained will be used for that purpose. Thiscommunication is from a debt collector.S. W[redacted]Collection ManagerSW/ PNFCC: File [redacted]Your Key to Professional Collection Services Since 1937www. merchantscredit. com[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 complaint. This 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 information. I 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 120 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

RE: Case# [redacted] We are writing in response to the complaint received by our office on April14, 2016. Please find enclosed an authorization to release confidential information. Please have the consumer sign and date the enclosed form and we would be happy to discuss any accounts...

[redacted] may have with our agency. 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 debt. Any information will be used for that purpose.
[redacted]SUPPORTING DOCUMENTS REDACTED BY Revdex.com[redacted]

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 information. Please 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 office. This is acommunication from a debt collector attempting to collect a debt. Any information will be used for thatpurpose.S. W[redacted]Collection ManagerSW/ PNFCC: FileYour

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]

Thank you I will get that back to you

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.  Due to language barrier, I fully authorize my daughter, [redacted], to speak and discuss this complaint and medical related issues on my behalf. You may contact her via e-mail [redacted]@outlook.com or telephone at[redacted]  She has my permission to disclose all matters and she is my authorized representative.Sincerely, [redacted]