Merchants' Credit Guide Company

After a medical facility neglected to submit my claim to insurance or bill me directly, MCG obtained the debt for collections. If it were not for MCG contacting me, I would not have caught other associated charges still outstanding with the facility and sent to a separate collections agency - again, all due to the facilities billing and administrative errors.

Credit agencies get a bad rep and of course no one likes to have debt, but the employees at MCG are just doing their job, it's not personal. Furthermore, everyone I spoke with was extremely friendly and helpful. I typically don't write reviews at all but I was surprised to see only negative complaints on file and felt this deserved to be reported.

Thank you for the opportunity to respond to Mr. [redacted] concerns.  First, allow me to set the record straight.  The treatment received from our client was not due to a work related injury, therefore not a workers' comp claim.  This is clearly indicated on the registration filled out by...

Mr. [redacted]  Second, Mr. [redacted] received a series of treatments over a three month period of time resulting in over 100 transactions, some of which were for the same type of treatment on a different date of service, thus **king it appear that there are "duplicate" claims reported to the credit bureau, but they are not duplicate transactions.  The 41 collection items Mr. [redacted] speaks of were the transactions that qualified from a balance standpoint to be reported.  There are **ny more smaller balance transactions/accounts that were not reported.  Third, Mr. [redacted] insurance company paid on several of these transactions leaving a co-pay or "applied to deductible" self-pay portion.  **ny other transactions were denied because the insurance company needed additional information from Mr. [redacted] to process the claim.  Our client called Mr. [redacted] to request the additional information needed to process the claims, but he did not return the calls.  Mr. [redacted]y still have an opportunity to provide this information to his insurance company for them to process these claims, but he will have to call his insurance company.  If the insurance company re-processes the claims, there **y still be co-pay or applied to deductible amounts due.  These accounts have not been paid.  There are not any duplicate reports of any transactions.  There is nothing fraudulent in our actions.  There has been no violation of the Fair Credit Reporting Act. This complaint is the first time we have heard from Mr. [redacted] after numerous attempts to contact him.We are sending Mr. [redacted] a copy of all the transactions, a copy of his registration and signed financial policy from our client.  We would welcome the opportunity to be of assistance in helping him get this **tter resolved.[redacted] PresidentMerchants' Credit Guide Company

Thank you for the opportunity to respond to Ms. [redacted] concerns.  Upon receipt of the complaint, we asked the provider to review the eligibility of Ms. [redacted] coverage.  When they researched the payor's system, they found that Ms. [redacted] has two IDs with the payor.  One did not...

show eligibility and the other showed the claim was eligible.  The payor is now billing the claim under the ID # that shows Ms. [redacted] claim was eligible.  Our client has asked us to return the claim from our system, close the account and delete the collection item from Ms. [redacted] credit report.  On 5/20/16, we closed the account and deleted the item from her credit report. A letter confirming this deletion will be sent to Ms. [redacted] PresidentMerchants' Credit Guide Co.

Thank you for the opportunity to respond to Mr. [redacted]'s concern.  Our company, Merchants' Credit Guide Company is completely independent from [redacted].  In 2008, [redacted] placed an account for collection with our company for Mr. [redacted].  In 2010, they recalled the account.  We no...

longer have the account for collection.  Any collection trade lines placed on Mr. [redacted]'s credit reports by our company have long been removed.  We have no authority to cancel the debt and no control over [redacted]'s transcript policy.  Therefore, we are unable to help Mr. [redacted] achieve his desired settlement.  Any resolution would have to come directly from [redacted]. Dan [redacted], PresidentMerchants' Credit Guide Company

Initial Business Response /* (1000, 5, 2015/09/24) */
Thank you for the opportunity to address Ms. [redacted]'s complaint. Upon receipt of the complaint I immediately checked with our client to see if they ever received any money from a personal injury lawsuit. As of 9/22/15, they have not...

received any money towards these now self-pay balances. I will send a copy of the statement we received from our client to Ms. [redacted]. If Ms. [redacted] can provide me with her attorney's name and number, I will be happy to make a call to confirm the status of the lawsuit.
For the record, we are Business Associates with our client and therefore are able to receive and use for the purpose of payment of the account. We are in complete compliance with HIPAA XXX-XXX.
At this point, we are unable to delete the trade lines from Ms [redacted]'s credit bureau reports. However, if she can show that she won her personal injury case, we will delete our trade lines immediately.
Dan [redacted]
President
Merchants' Credit Guide Company

Thank you for the opportunity to respond to Mr. [redacted]'s concerns.  Our records indicate the payment of this account was made by Mr. [redacted] on 5/3/17 with a credit card.  We had no indication that it was paid by insurance.  As we are required to do, we updated Mr. [redacted]'s credit...

reports to show that the account was paid in full.  In the interest of consumer relations and giving Mr. [redacted] the benefit of the doubt, today, we have removed the paid in full collection item from Mr. [redacted]'s credit reports.  In addition, we are sending a letter confirming this deletion to Mr. [redacted]'s address. [redacted], PresidentMerchants' Credit Guide Company

Initial Business Response /* (1000, 5, 2014/06/28) */
Thank you for the opportunity to address Mr. [redacted]' concerns. We will be happy to work with Mr. [redacted] in the manner desired if he will call our Director of Operations, [redacted] at (XXX) XXX-XXXX ext. [redacted]...

[redacted]
President
Merchants' Credit Guide Co.