Business Profile

Collections Agencies

Grant Mercantile Agency Inc

Complaints

This profile includes complaints for Grant Mercantile Agency Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

10 total complaints in the last 3 years.
2 complaints closed in the last 12 months.

If you've experienced an issue

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/31/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have np knowledge of this debt. I been reaching to this company for couple of years now to send over copy of contract that I sign. please remove this debt.
Business Response
Date: 08/01/2024
Thank you for reaching out. We will need a signed authorization in order to be able to release any information regarding any consumer. Please also provide an account number for item in which you are inquiring. If you have any questions, please contact us directly at ************ Mon-Friday 8am to 4:30pm. Thank you.
Customer Answer
Date: 08/02/2024
Release form
Business Response
Date: 08/05/2024
Thank you for reaching out to us. We have reached out to the original provider on your behalf and requested verification. Attached please find the verification on the 3 accounts you have in collections. Previously verification was mailed to you on 04/03/24, once the accounts are paid in full the credit bureaus will remove the item/s from your credit file. If you have any questions, please feel free to contact us directly at ************ we will do our very best to help you.
Initial Complaint
Date:12/31/2023
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this Debt with ************* I do not have a contract with with Grant Mercantile Agency . They did not provide me with the original contract as requested.
Business Response
Date: 01/02/2024
Thank you for reaching out to us, we will need a signed release before being able to disclose any information regarding any consumer. If you have any questions, please contact us directly at ************ Mon-Friday 8Am-4:30PM. Thank you.
Customer Answer
Date: 01/02/2024
Here is the release form
Business Response
Date: 01/03/2024
The form provided does not contain a signature. Please call us directly or provide a real signature. ************ Mon-Fri 8AM-4:30PM
Customer Answer
Date: 01/03/2024
I am rejecting this response because:

Here is a signed copy of the form. I was not provided with any information regarding fixing my credit score.
Customer Answer
Date: 01/04/2024
Hi ******! Thank you for your help with assisting me. The business has still not responded with any information. They are requesting that I send a form with a proper signature so I have them sent over another form in response to them. I am not satisfied with their response as of now.

Business Response
Date: 01/08/2024
Thank you for providing the signed release. We have reached out to ******** Valley Emergency on your behalf, attached you will find the verification and the charges and the signature. This information will also be mailed directly to you for your records. If you have any questions, please contact us directly at ************ Mon-Friday 8AM to 4:30PM, we will do our very best to help you.
Customer Answer
Date: 01/08/2024
I am rejecting this response because:

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.
Additionally, I am allowed under the ***** law ***************** Portability and Accountability Act of ****), to protect my privacy and medical records from third parties. I do not recall giving permission for ******** VALLEY ****** ASSOC to release my medical information to a third party I am aware that the ***** does allow for limited information about me but anything more is to only be revealed with the patient's authorization, therefore my request is twofold and as follows;
Validation of Debt and HIPPA Authorization
??Please provide a breakdown of fees including any collection costs and medical charges
??Provide a copy of my signature with the provider of service to release my medical information to you
??Cease any credit bureau reporting until debt has been validated by me
accept this letter as my formal debt validation request, which I am allowed under the *****.
Please note that withholding the information you received from any medical provider in an attempt to be ***** compliant can be a violation of the ***** because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, I will await your reply with the above requested proof.
Business Response
Date: 01/10/2024
The provider forwarded the verification of the charges and services rendered per your request. We have a Business Associate Agreement with each provider so we can obtain additional information if the consumer does not recall the services rendered. See link: *********************************************************************************************************************************; We previously provided you with our notice that includes the charges, interest and credits, but there are no credits to list. We understand your credit is important to you and we wish to help. Grant Mercantile will cancel this account back to ******** Emergency in order to get this item removed from your credit file. Attached please find confirmation. Thank you.
Initial Complaint
Date:11/23/2023
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with ************* I do not have a contract with Grant Mercantile Agency, Inc. I have never been notified or provided with a contract.
Business Response
Date: 11/27/2023
Thank you for reaching out to us, we will need a signed release in order to disclose any information or if you would rather contact us directly, please call ************, Mon-Fri 8am-4:30pm Pacific Time
Initial Complaint
Date:10/24/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company placed a collection on my credit report with no information to identify the original creditor, the account number or any information to show what this is. I sent a letter to the agency on August 2, 2023 requesting validation of the collection and as of today, I have not heard back from the company.
Business Response
Date: 10/25/2023
Thank you for reaching out to us. We will need a signed release before being able to disclose information on any consumer. Please feel free to call us directly at ************ Mon-Fri 8am-4:30pm and we will be happy to help you.
Customer Answer
Date: 10/27/2023
I am rejecting this response because:

The BBB has my authority to speak to the vendor on my behalf.
Business Response
Date: 10/31/2023
Thank you for reaching out to us. Our system does not show that we have ever received any communication from you via mail or telephone. We reached out to our client, Bay Medica ambulance on your behalf and they still show you have a balance. Attached please find the verification and the payments previously applied to your account, If the remaining balance has been paid, please provide us with a copy of your proof of payment. Once the balance is resolved we will flag the account to be removed from credit. If you have any questions, please contact us directly at ************ Mon-Fri 8am-4:30pm we will do our very best to help you. Thank you.
Customer Answer
Date: 11/08/2023
I am rejecting this response because:

I am not aware of this bill and it is not a bill that is related directly to me. The business needs to send me all documents that show my signature on all documents and where I accepted responsibility for the bill. An alleged billing statement is inadequate for purposes of liability and demand for payment and debt collection. This agency should have all documents to verify that I am responsible for a bill.
Business Response
Date: 11/10/2023
Thank you for your response, we reached out to the provider on your behalf and requested additional information. Attached please find ******** mandated request for transfer, explanation of benefits and crew member's signature. Crew members are required to sign if the patient is a minor and parent/s is not present, which was the situation in this emergency case. Attached is the crew members statement and signature indicating that at the time of transfer the patient was physically or mentally incapable of signing. Enclosed is also the insurance's explanation of benefits. If you do not agree with the balance, please reach out to your insurance company directly. In some instances, we have had consumers appeal emergency transports with their insurance and their insurance does come back and pay at a higher rate. If you would like to call and make arrangements, we will be happy to help you on suitable payment arrangements. Thank you, please call ************ Mon-Fri
Initial Complaint
Date:09/30/2023
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with ************* I do not have a contract with GRANT MERCANTILE AGE, they did not provide me with the original contract as requested
Business Response
Date: 10/02/2023
Thank you for reaching out to us, we will need a signed release in order for us to disclose any information. If you have any questions please call us directly at ************.
Initial Complaint
Date:06/29/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Medical Data and I do not have a contract with Grant Mercantile Agency, Inc, they did not provide me with the original contract as requested.
Business Response
Date: 06/30/2023
Thank you for reaching out to us. We will need a signed release in order to disclose any information regarding the consumers account/s. If you have any questions, please contact us directly Mon-Fri 8AM to 4:30PM Pacific Time 800-477-7530 We will do our very best to help you.
Initial Complaint
Date:06/07/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not responsible for this bill, this bill that they are trying to come after has been PAID by my healthcare provider so i don't even know why they are coming after this. I have the whole bill and PDF statement which shows it has been paid and processed. I will upload it with this.

They have been using terrible practices to come after me with this. And I will fight this tooth and nail as it is not fair one bit.

Transunion looked into this and deleted off my credit report. This must be taken off the other two. Completely illegal what they did. Even notice how they are coming after me for way more that was even billed in the first place? Definitely needs looked into.

I would like this deleted from credit reports, nothing short of that is satisfactory.
Business Response
Date: 06/08/2023
Thank you for reaching out to us. We will need a signed release before we can disclose any information.
Generally speaking, and from reading the explanation of benefits that was provided, it states on bottom of the explanation of benefits that the service was provided by an out of network provider. This means that they were not contracted and therefore they only paid what they were obligated to, which in this case was zero dollars. This also means that the portion that typically is a contractual write off did not get written off because they are not contracted, which means the patient is responsible. The EOB provided also says that if you are being asked to pay to call their number and they work with the provider on your behalf. If you have any questions regarding specific account details, you can reach out to us directly at ###-###-#### Mon-Fri 8AM to 4:30PM
Initial Complaint
Date:12/30/2022
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with King American Ambulance, and I do not have a contract with Grant Mercantile Agency, Inc. They have not provided me with original application as requested
Business Response
Date: 01/03/2023
Thank you for reaching out to our office. We will need a signed release in order for us to disclose any information.
Thank you

Initial Complaint

Date:10/03/2022

Type:Service or Repair Issues

Status:

Resolved

Resolved:: The complainant verified the issue was resolved to their satisfaction.
Unresolved:: The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:: The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:: The business failed to respond to the dispute.
Unpursuable:: BBB is unable to locate the business.

This business never gave me their license number when I asked for it. I don't feel they are licensed to collect debt in California and should release my debt. I have attached a letter to end the collection of this debt until Grant Mercantile can send me proof of this debt but they never sent me a letter.

Business Response

Date: 10/04/2022

Thank you for reaching out to us, our notes show you contacted our office yesterday and made arrangements with *****.

We will need a signed release form from you to be able to disclose any information to the BBB.

Here is some general information regarding the new CA licensing requirements. If you have any further questions please feel free to contact us directly at ###-###-####, we will do our very best to help you.

Thank you.

The Debt Collection Licensing Act (DCLA), which takes effect
Jan. 1, 2022, requires any person engaging in the business of debt collection
in California to be licensed by the California Department of Financial
Protection and Innovation (DFPI). Per legislation,
all applications have to be submitted by December 31, 2021. The licensing team
is diligently working to review them as quickly as possible, however, the
process is anticipated to take place throughout 2022 and 2023. Do not be
concerned if you do not get a response from us regarding your application for
an extended period of time.

Below is the email we received from DFPI acknowledging our
application was submitted timely see below email

To: ******** **** <********@grantmercantile.com>From: DFPI DCLA
Inquiries <****.*********@dfpi.ca.gov>

Sent: Wednesday, December 1, 2021 4:59 PM

Subject: California Debt Collector License Application Update

Dear Applicants:

This is to
acknowledge receipt of your application for California Debt Collector
License.

Your application is
deemed timely filed even though our licensing team have not had a chance to review
it. You can continue performing debt collection activities in CA during
the review process.

Due to the volume
of applications expected to be filed you can anticipate an extended period of
time before we start reviewing your application or you hear from us again.

Now that you have
submitted your application:

1)
NMLS License application status defaults to “Pending - Incomplete”
until our licensing team starts reviewing an application. At that time the
status will change to “Pending - Review”. We expect a high volume of
applications to be filed and it will take a while before the status of your
application changes.

2)
Detailed fingerprinting instructions for individuals in and out of
California will be provided to the Primary Company Contact including
fingerprint cards if needed.

3)
You will have an opportunity to resolve any issues or incomplete
information through the review process.

4)
You will receive an invoice through NMLS for licensing and background
check fees once your application moves into “Pending - Review” status.

Per legislation, all applications have to be submitted
by December 31, 2021. The licensing team is diligently working to review
them as quickly as possible, however, the process is anticipated to take place
throughout 2022 and 2023. Do not be concerned if you do not get a response from
us regarding your application for an extended period of time.

Below is a list of the Debt Collector Applicants that are
allowed to continue to conduct business while their application is being
reviewed. This list only includes the pending applications where the business
is allowed to conduct business while they are waiting to be
approved or denied. There could be additional pending applications.

COMPANY NAME	TRADE NAME/ALIAS	CITY	STATE	COUNTRY
Grant & Weber Arizona, Inc.		Gilbert	AZ	USA
Grant & Weber, Inc.		Las Vegas	NV	USA
Grant Mercantile Agency, Inc		Oakhurst	CA	USA

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Grant Mercantile Agency Inc is BBB Accredited.