BBB Accredited Business since
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This company offers credit reporting, debt collection and billing services including early out programs.
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A BBB Accredited Business since
BBB has determined that Merchants & Professional Credit Bureau meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for Merchants & Professional Credit Bureau include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 11 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||11|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Type of Entity
Business ManagementMr. Boyce Hornburg, President Ms. Pam Winslett, Vice President
Credit Reporting Agencies Billing Service Collection Agencies
Alternate Business NamesMerchants and Professional Bureau, Inc. MPB MPB Credit Bureau MPB Medical Billing
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Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating Overview
BBB Customer Reviews Star Rating represents the customers opinions of the business. The Customer Review Star Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score. Below is the Customer Review Star Rating scale.
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
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Read Complaint Details
Complaint: This collection agency has refused to answer my demand for validation per State and Federal Collection and Reporting Laws. This debt collector placed marks on all my credit reports without proper notification, as I received no dunning notification per required by the FDCPA legislation. Improper collection activity Credit reporting is considered collection activity. I have previously sent a letter requesting validation of this debt, but they were unable to provide the requested information. I have disputed this account on my credit reports, the most recent disputed and the account was verified, to which I have no knowledge or documentation. I sent another letter to Merchants, requesting them to comply and provide validation of the debt allegedly owed, to which I again have not received a response. I checked my report today,06/11/2014 and I am still being burdened by the inaccurate reporting. I am requesting your office look into these allegations and help me procure a deletion from all credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against Merchants, however, I felt compelled to urge your office to help me in my crusade to remove Merchants and reestablish my name and credit. I am not sure if this debt is mine or not, however, their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter. Thank you very much for your time
Desired Settlement: remove what they are reporting on my credit report(s) immediately as they've failed to comply with the the law.
BBB-*** *********** *******
In response to Mr. ***********’s statement that he hasn’t
BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.
|1/17/2012||Problems with Product/Service|