Merchants' Credit Guide Company

[A default letter is provided here which indicates that the business has not responded to you directly. If you wish, you may update it before sending it.]
Revdex.com:
At this time, I have not been contacted by Merchants' Credit Guide
Company regarding complaint ID ***
Regards,
*** ***

Upon receipt of Ms*** complaint, I called her and confirmed she was the wrong party. We immediately deleted the collection item from Ms*** credit report. In addition, we have sent her letter confirming this deletion. *** ***, PresidentMerchants' Credit Guide
Company

Initial Business Response /* (1000, 5, 2015/10/02) */
Thank you for the opportunity to respond to Ms.*** complaintFor the record, our client placed Ms.*** account with our agency for collection on 5/26/Upon talking to Ms.*** on 10/1/15, Mr.*** DID contact our client and
confirmed that she was making payments to the clientAfter discussing the matter with our client, our client agreed to recall the account from collectionsIn accordance with Ms.*** Desired Resolution, we have closed the accounts and deleted them her credit reportsIn addition, we mailed her the letter confirming the closure and deletion
***
President
merchants' Credit Guide Company

Thank you for the opportunity to respond to Ms *** concernsWe received Ms*** request for information on 9/26/We promptly requested the account documentation from our clientWe received the information from our client on 10/20/and mailed it to Ms*** on 10/21/to the address
provided hereWe never received any returned mail as undelivered. *** ***, President Merchants' Credit Guide Co

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
Sincerely,
*** ***
Response is awesome and expected could be better but it is satisfactory to me as I am on limited income

Ms*** has done business with our client, *** Avenue. We are a contracted collection agent for *** Avenue and we were sent Ms*** account because she has not paid for the merchandise she received. *** Avenue is the original creditor and current owner of this
debt. She is welcome to pay *** Avenue directly, or she can pay Merchants' Credit Guide Company. Either way, she remains responsible for payment of this account

Complaint: ***
I am rejecting this response because:payment was made through flexible spending account administered by ***Possibly healthcare provider did not track correctly but I have twice previously provided proof of payment and this should immediately be removed from credit bureaus
Sincerely,
*** ***

Thank you for the opportunity to respond to Mr*** concerns. Upon receipt of the complaint, we contacted our client and asked them to review Mr***' account. Upon review, the account was sent to us in error. We have closed and returned the account, deleting all reference of
the collection item from his credit report - it generally takes a few days for the credit bureaus to update their files. In addition, we are sending a letter to Mr*** to confirm this deletion.*** ***President

[A default letter is provided here which indicates that the business has not responded to you directly. If you wish, you may update it before sending it.]
Revdex.com:
At this time, I have not been contacted by Merchants' Credit Guide Company regarding complaint ID
***
Regards,
*** ***

Thank you for the opportunity to respond to Mr***'s concern. Our company, Merchants' Credit Guide Company is completely independent from ***. In 2008, *** placed an account for collection with our company for Mr***. In 2010, they recalled the account. We no
longer have the account for collection. Any collection trade lines placed on Mr***'s credit reports by our company have long been removed. We have no authority to cancel the debt and no control over ***'s transcript policy. Therefore, we are unable to help Mr*** achieve his desired settlement. Any resolution would have to come directly from ***. Dan ***, PresidentMerchants' Credit Guide Company

In response to Mr*** rejection, our client did not ignore the law. But in light of Mr*** circumstances, I asked our client to reconsider the charges to Mr *** accounts. Our client has agreed to write off the balances and close the accounts. In turn, we have closed the accounts in our system from any further collection activity. These accounts were not reported to Mr*** credit reports

Initial Business Response /* (1000, 5, 2014/08/26) */
Thank you for the opportunity to respond to Mr***'s concernsFirst, Mr*** is confused about what our relationship is with our client, *** *** HospitalWe are the second collection agency that this account has
been referred toWe do not own this debt and never haveAfter the first agency was unsuccessful in collecting the account, it was closed with them and then referred to usWe are authorized to collect this accountThat can be confirmed with the patient accounting department of the hospitalIt doesn't matter if Mr*** pays us directly, as he has in the past, or pays the hospital - as he is now doingOne of our responsibilities is to report this account to the credit bureauWhen the account is paid in full, we must report the account as paid in full
Clearly, Mr*** has demonstrated through his consistent payments that his intentions are good and he will pay this account in fullMr*** indicates through his complaint that there has been some misunderstanding of the circumstancesIn light of these considerations and in the interest of consumer relations, we will delete the trade line from Mr***'s credit reportsA letter confirming this deletion will be sent to Mr***
I hope this clears up some of the confusion and addresses Mr***'s concerns
*** ***
President
Merchants' Credit Guide Company

Initial Business Response /* (1000, 5, 2015/04/09) */
Thank you for the opportunity to address Ms***'s concernsTo make sure, I listened to the call recording when we spoke to Ms***When she gave us payment for the three accounts on 11/20/14, we told her we would update the
credit credit bureaus, we did not say we would delete the trade linesUnderstanding that she may have misunderstood what we meant by update (paid in full), and in the interest of consumer relations, we will delete the trade lines for Ms***We will also send her a confirming letter of the deletions
*** ***
President
Merchants' Credit Guide Company

We received Ms***'s letter on the 24th of July and we responded to her request on 8/1/providing the required account information, mailed to her address provided in this complaint. Ms*** knows who the creditor is and what this debt is for. We are more than willing to work with
Ms*** to find a manageable resolution to this account. We await her call. *** ***, PresidentMerchants' Credit Guide Company

Thank you for the opportunity to respond to Mr*** 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*** Second, Mr*** received a series of treatments over a three month period of time resulting in over 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 collection items Mr*** 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*** 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*** to process the claim. Our client called Mr*** to request the additional information needed to process the claims, but he did not return the calls. Mr*** **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 ActThis complaint is the first time we have heard from Mr*** after numerous attempts to contact himWe are sending Mr*** 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*** *** President
Merchants' Credit Guide Company

So that we can close this account due to identity theft, we would need Ms*** to submit an affidavit of Identity theft, a police report that indicates the identity theft resulted in these two accounts being fraudulently opened in her name, and a copy of a picture ID. Upon receipt, we will
be happy to investigate and confirm the identity theft with our client and close the account. Thank you

Initial Business Response /* (1000, 5, 2015/08/17) */
Thank you for the opportunity to respond to Mr.*** concernsI apologize for the delay in getting these accounts removed as promisedI have spoken to the manager that should have taken care of this so it doesn't happen again
The removal of these accounts has been requested todayIt may take a few days for the credit bureaus to update their data basesIf Mr*** has any further problem, he may contact me directly
***
President
Merchants' Credit Guide Co

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
Sincerely,
*** ***

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 helpfulI 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

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
Sincerely,
*** ***