Merchants' Credit Guide Company

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,
*** ***

Thank you for the opportunity to respond to Ms*** concerns. There are three accounts. One for the date of service 8/28/for $279.00, another for date of service 9/3/for $279.00, and one for date of service 4/16/for $362.00. Though the provider did not receive the
insurance information at the time of service, they have verified that she was eligible for coverage for the two accounts for $each. The provider verified the third account for $was denied for lack of coverage, resulting in the account becoming a self-pay obligation. We have taken steps to delete the two accounts for $and will send Ms*** letters of confirmation of these deletions. The account for $remains due. We are sending Ms*** the account statement for her review. We suggest Ms*** contact the insurance company to have this reviewed. They may reconsider it. If the provider tries to re-bill the claim, the insurance will deny it again.*** ***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 him.We 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.*** *** PresidentMerchants' Credit Guide Company

We received Mr*** complaint on 6/7/16. On 6/8/16, we sent the deletion request to all the credit bureaus we previously reported to. The Audit Control number we received confirming the deletion request was 79859549. We do not have control over the timing of how fast the credit bureaus process these deletion requests. Upon receipt of Mr*** latest response, and to ensure the deletion , we sent another deletion request on 6/15/16, Audit Control number 79961906. Again, we do not have any control over how fast the credit bureaus process these requests. We will continue to follow up to make sure these deletions finally get processed. One word of caution, if Mr*** is using a "third-party" to monitor these deletions, and not the credit bureaus themselves, some of these third-party credit monitoring companies do not update their databases in real-time. There may be further delay before they updatePlease let me know if Mr*** continues to experience further delay. We will get these deleted as promised*** ***
President
Merchants' Credit Guide Co

*** University in Columbus, Ohio, will not release my transcripts as they claim I owe Merchants over $7,for classes that I never tookI left ***, and cancelled the classes I had scheduled when my mother became ill and hospitalized in a different city, hours from schoolI made all the necessary phone calls to cancel classes before they startedI have contacted my attorney and we are prepared to follow through with the necessary filings

Alleged company failed to send me legal and lawful documents proving I owed anythingSince I did this over and over with no response I assume that debt been dischargeI was getting help from consumer credit counseling of Hawaii whom are closing in JuneThey continue to stack on scamming fees and break rules and violate my rights under Fair Debt Collection Practice Act and Statute of Limitations

On or around July 1st 2016, I Jon C *** was seen and treated at *** County Hospital in *** County Hospital for a work related injuryI was treated and released by the physicianI have had *** *** and have had spinal Fusion surgeries in the past yearI have had *** *** since and have never received any type of Bill stating I owed anything Financially from any of the numerous providers I've Never received a Bill from any health provider over the past years
Merchants Credit Guide has placed a collection on my credit bureaus and I have been trying to have it removed persistently with No LuckI've reached out and tried to resolve this issue with MCG several times Via phone and through MailMerchant Credit Guide states that the *** County Hospital turned over a bill in the amount of $as a Medical DebtI have spoken to several people that work in Billing at the *** County Hospital trying to resolve this issue Every time I contact ***

Thank you for the opportunity to respond to Ms***'s concerns. Ms*** is correct in that we do not own this debt. We work on behalf of our client, the original creditor. We received this account from our client on 10/13/14. Since that time, we have notified Ms***
by mail at her current address and tried several times to contact her by phone at her current phone number. We've never received a response from her until now. We are actually the second collection agency to try and collect this account for our client. Upon receipt of Ms***'s complaint, we called our client to make sure they still showed the same balance of $outstanding. They confirmed the balance of $and said they have not received any payments from Ms***. We have obtained a copy of the account statement and signed agreement to send to Ms***. I suspect she may be confusing this account with some other account she may be paying. We stand ready to work with Ms*** to come to a manageable resolution. Dan ***, PresidentMerchants' Credit Guide Company

Thank you for the opportunity to respond to Mr***' concerns. On October 23, 2014, when we called Mr***, we were told never to contact him again. It is our practice that this "Cease and Desist" supersedes any subsequent request for any type of communication. Therefore,
Mr*** is correct, we did not provide him the validation of the debt. In the interest of good faith and resolution of this matter, today, we placed the order with the credit bureaus to remove the collection item from Mr***' credit reports. Please allow the credit bureaus a few days to update their databases. We have mailed Mr*** a copy of the Universal Data Form sent to the credit bureaus confirming the deletion. In addition, we have mailed Mr*** the account documentation he originally requested. Upon review of this documentation, it is our hope that Mr*** will resolve the debt accordingly.
*** ***, President
Merchants' Credit Guide Co

Initial Business Response /* (1000, 5, 2014/08/28) */
Thank you for the opportunity to address Ms*** concernsFirst, I apologize for the problems we had with our telephone system when he was trying to call usOur telephone provider was experiencing technical difficulties
throughout their network
Over the years, starting in through 2010, we have received accounts from the physician's office and from the hospitalPayments have been received on these accounts in May of 2007, May of 2009, June of 2010, and now, August of Four of the accounts remain unpaidIt seems that Ms*** was aware of these accounts since she was making payment on several of them
I have called our client to request the documentation on these accountsUpon receipt, I will forward the information to Ms***There is no scam hereThough they are old, they are still debts that should be paidI recognize that there may have been some interruption in communication since Ms***' address has changedWe will get the information to her so she can address these accounts
*** ***
President
Merchants' Credit Guide Company

Thank you for the opportunity to respond to Mr*** concerns. Please see Mr*** previous Revdex.com complaint #***. We responded to Mr*** previous complaint by forwarding him the requested information to his listed address on 7/20/15. We also stopped calling him
as he requested. The accounts remain outstanding and were reported to the credit bureaus. Since that time, two more accounts have been turned over to our company from the same client. On 8/13/15, we sent him a letter informing him of these two additional accounts. We have not received any response from Mr*** to any of this correspondence. Today, I received account information from our client on all accounts under Mr*** name. I will send it to him tomorrow morning, 11/4/15. Upon receipt of this information, we look forward to hearing from Mr*** with any questions and / or payment.Dan ***PresidentMerchants' 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 meI have verified this has been removed from the credit reporting
Sincerely,
*** ***

Thank you for the opportunity to respond to Ms*** concerns. Upon receipt of the complaint, we asked the provider to review the eligibility of Ms*** coverage. When they researched the payor's system, they found that Ms*** 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*** 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*** credit report. On 5/20/16, we closed the account and deleted the item from her credit reportA letter confirming this deletion will be sent to Ms*** *** *** PresidentMerchants' Credit Guide Co

After reviewing my credit report, around November 2016, I noticed Merchants Credit Guide reporting a negative account and immediately disputed it with all three major credit bureausI have also contacted Merchants Credit Guide Company twice and they are still reporting a negative account on my credit report without verifying this account nor mailing me any documents to show proof I owe this alleged debtI will be attaching all copies mailed and received from Merchants Credit Guide Company and have never received any response from my last letter dated December nor have they reported to the credit bureaus that I disputed this accountThey have clearly violated my rights under the FCRA and FDCPA

Merchants' Credit Guide has erroneously reported negative information to the credit bureaus due to the provider not submitting for payment correctlyThe alleged amount is NOT my responsibility
"If an eligible individual is entitled to medical assistance with respect to a service for which a third party is liable for payment, the provider furnishing the service may not seek to collect from the individual payment for that service if the total liability of the third party for that service is at least equal to the amount payable for that service by the Department;" (Illinois Administrative Code, Title Chapter I Section(d))
The medical provider did NOT properly submit for payment from the responsible 3rd party and as such may NOT seek to collectTherefore Merchants Credit Guide has NO legal authority to attempt to collect or to place derogatory marks on my creditI am fully prepared to take legal action against the company if they do not cease and desist collection acti

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 conditional that I get the bill with my name and services received on it.
Sincerely,
*** ***

Thank you for the opportunity to respond to Ms*** complaint. There has been no violation of Ms*** or the patient's privacy under HIPAA. Merchants' Credit Guide Company is a contracted Business Associate of *** *** Hospital. Ms*** is correct in that she
does not have a contract or agreement with Merchants' Credit Guide Company, but she does have one with our client and the creditor of this account, *** *** Hospital. We have sent her an itemized statement of the account twice because she asked for them. We will now send her a copy of the signed agreement. As for the balance due, the insurance coverage paid the majority of the charges. The remaining balance is self-pay. As an act of goodwill, we will remove this collection item from Ms*** credit reports. In turn, we expect Ms*** to review the documentation we are sending her and take responsibility for paying this account. Dan ***, PresidentMerchants' Credit Guide Company

In response to Ms*** 10/3/request for validation of the accounts in question, we ordered the documentation from our clients. The client for account *** responded with the account information requested and we forwarded that information to Ms*** on 10/31/16, within the
days required. The other client for account *** did not respond in time. They sent us the documentation after the days had expired. On 11/21/16, the account number *** was deleted from Ms*** credit reports. A letter confirming this deletion was sent to her on 11/23/16. In the interest of consumer relations, today, 11/28/16, we sent the deletion for the account *** to the credit bureaus. Again, we will send written confirmation of this deletion to Ms*** as well. So you know, it generally takes the credit bureaus a few days to update their databases

Initial Business Response /* (1000, 5, 2014/05/20) */
Thank you for the opportunity to respond to Mr***'s concerns
To clarify the circumstances, we are the collection agency for ER physician groupWe are tasked with trying to resolve the self-pay balances that come to us from their
billing departmentThe ER physicians are not part of the hospitalThey are a separate group of doctors that provide and bill for their services apart from any other hospital and / or physician group
Our earlier communication in December of 2013, Mr*** indicated that the insurance company had already paidHe was going to follow up with his insurance companyWe were later informed that the treatment was due to an accident and that the details of the accident were holding up the payment of the claimRecently we heard from Mr*** due to the account being reported to the credit bureauShortly after that, we heard from our client to put the account on hold while they investigate the claimOn May 9, 2014, we received a "recall" notice from our client telling us to close and return the accountAt that time we also sent a deletion request to all the credit bureaus that we previously reported this account to
The deletion request of the trade lines from Mr***'s credit report has been completedSometimes it takes the the credit bureaus a few days to update their filesIn addition, I have directed my staff to send a letter to Mr*** confirming the deletionsIf Mr*** has any further problems with these accounts listed on his credit bureaus reports, he can contact me directly at (***
***
President
Merchants' Credit Guide Co

The soul purpose of a collection agency is to make calls and or send out bills to collect balance not paid by patientsIve lived at the same address with the same phone number MY WHOLE LIFE and have not ever gotton a collection notice in the mail, nor even a callWhen calling to follow up on this because my dr recently told me about it, they confirmed the correct address and phone number Ive always had, but were unable to tell me why I have not been getting the lettersAll they told me was ive had a debt in their agency for FIVE YEARSWhen trying to get a physical bill with a totaling amount of what I owe so I can pay it they said they would send it in the mailAbout a month passed and I still had no billI called again they said they can emial or fax, I said we can do either, however they dont sent e-mails out to ***So I gave them my fax, HOURS passed, I called back to follow up, as I tried to explain what the situation was the Rep Tracy, continued to cut me off as I tried to