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Business Profile

Collections Agencies

Merchants & Medical Credit Corporation, Inc

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 44 total complaints in the last 3 years.
  • 4 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/05/2025

    Type:Billing Issues
    Status:
    Answered
    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 do not have an account with ********************** and Medical account 1155 $606. I am requesting the original purchase agreement with my signature.The full payment history any change of custody of debt. This account is not accurate. This account must be deleted. According to the law this false Medical Information is unlawful to be on my credit report and **** be deleted immediately; thank you for your help.

    Business Response

    Date: 04/08/2025

    We are a third-party collection agency and therefore don't have a direct contract with the consumer.  Our client listed this account with us for collection on 1/17/20.  We sent our first letter with the required notices on 1/17/20.  We marked the account as disputed for credit bureau reporting on 2/6/20.  We sent validation of debt to the consumer on 2/20/20.  The consumer claims the account is not accurate but doesn't offer any information about what the correct amount should be.  We have no evidence that we should stop reporting this account to the ********************** reporting agencies.

    Customer Answer

    Date: 04/08/2025

     
    Complaint: 23165780

    I am rejecting this response because:

    Sincerely,This information placed on my credit report is not accurate. I request the original contact with my signature.  Your company has damaged my credit with no evidence that this is my Medical account.  This is illegal, please remove immediately.  Thank you for time.

    ******* *****

  • Initial Complaint

    Date:07/25/2024

    Type:Order 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.
    I am not liable for this debt with *****************************, I do not have a contract with ************************************************ they did not provide me with the original contract as requested

    Business Response

    Date: 07/31/2024

    We are a third-party collection agency.  We do not need a contract with this consumer.  He says he is not liable for this debt to ***************************** but doesn't say why.  We have marked our account as "disputed" for credit reporting and have sent him validation of debt.  We have reviewed all the information provided to us by the consumer and ***************************** and have determined that the information does not establish that the debtor is not responsible for this debt.  However, we will ask the credit reporting agencies to remove this debt from their report.

    Customer Answer

    Date: 07/31/2024

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

    Regards,

    ******: ***** UCC 1-308

    All Rights Reserved

  • Initial Complaint

    Date:05/02/2024

    Type:Order Issues
    Status:
    Answered
    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 merchants and medical credit, they did not provide me with the original contract as I requested.

    Business Response

    Date: 05/02/2024

    The consumer doesn't indicate why he isn't liable for this debt.  We don't need a contract with this consumer.  Our contract is with his creditor.  We never talked with the consumer and he didn't send us a request for the original contract.  We marked the file as "disputed" for credit bureau reporting.

  • Initial Complaint

    Date:04/30/2024

    Type:Order Issues
    Status:
    Answered
    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 *********************************************** Credit. I do not have a contract with *********************************************** Credit they did not provide me with the original contract as requested.

    Business Response

    Date: 04/30/2024

    This consumer did not specify which account he disputes nor why he is not liable for the debt.  He has not asked for the original contract for any account.  We do not need a contract with the consumer to collect our clients' debts from the consumer.

  • Initial Complaint

    Date:03/31/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    MERCHANTS & MEDCAL - 1387****To ensure absolute accuracy in reporting, it is imperative that the non-creditor provides only 100% accurate credit information. Every possible measure must be taken to ensure the reported information is entirely correct. Consequently, the following information urgently requires reinvestigation.I demand immediate proof of the alleged item, specifically the original application, contract, note, or any other document bearing my signature. Despite the non-creditor's claim to send the requested information by mail, I perceive this as a delay tactic, which I believe constitutes a blatant violation of the FCRA.Debt buyers, not being creditors, have inaccurately listed a collection agency as a creditor on my report. This flagrant violation of the FDCPA's creditor definitions must be rectified without delay.According to 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation G) 1006.2(g) Definitions, a creditor is defined as any person who offers or extends credit, excluding those who receive an assignment or transfer of a debt in default solely for debt collection purposes.Furthermore, 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation F) specifies that the term debt collector excludes certain individuals, including any officer or employee of a creditor while collecting debts for the creditor, and any person acting as a debt collector for another person.This account is inaccurately reported under 15 U.S.C. 1692g regarding the validation of debt. Moreover, the collector's attempt to collect a debt not mine constitutes a severe violation of 15 U.S. Code 1692k - Civil liability. I have attached the definition of the law as evidence of my rights.It is imperative that this inaccurate account be immediately removed from my credit report, as its presence is causing significant personal distress. Failure to act promptly will result in the imposition of the $1,000 fine for each violation of the law.

    Business Response

    Date: 04/03/2024

    We have sent this consumer validation of debt.  We have also spoken to this consumer concerning this debt. Our investigation leads us to believe that our credit reporting is correct.

  • Initial Complaint

    Date:03/20/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 a outstanding balance with ***** Credit of $3,893. I'm hoping to work with them in some way shape or form to get this removed and deleted from my credit statements. I just need help getting this resolved.

    Business Response

    Date: 03/21/2024

    This is the second BBB complaint from this consumer.  The first complaint claimed the consumer didn't have a contract with our client. (BBB Case# ********)  In the current complaint the consumer claims to want to work with us to get the debt off the consumer's credit statements.  We will try to contact the consumer to see if we can resolve this debt.  The consumer can also call us at ************ to resolve the issues.

  • Initial Complaint

    Date:02/26/2024

    Type:Order Issues
    Status:
    Answered
    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'm not liable for this debt with ******************************. I do not have a contract with Merchants & Medical Credit Corporation. They did not provide me with the original contract as requested

    Business Response

    Date: 02/27/2024

    This consumer gives us no reason that he is not liable for this debt.  In fact, he has made a payment on his account.  We are a third-party collection agency and therefore don't need to have a contract with the consumer.  The consumer has never requested verification of debt from us.  We don't have a reason to remove this account from the consumer's credit report.

    Customer Answer

    Date: 02/27/2024

    [A default letter is provided here which indicates your rejection of the business's response. 

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of why I am rejecting this response appear below:

    While a payment has been made on the account, it's crucial to ensure the accuracy of the debt. I may seek verification of the debt as per their rights under the Fair Debt Collection Practices Act. Clear communication and validation can help address any concerns and ensure the accuracy of the reported information. 

    Regards,

    ****************************

  • Initial Complaint

    Date:02/25/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 debit with MERCHANTS & MEDCAL. I don't have a contract with the collection agency that is trying to collect and has reported to mt credit report. They didnt not provide w=me with the original contract as requested.

    Business Response

    Date: 02/27/2024

    We provided this consumer with validation of debt.  We are a third-party collection agency and don't need a contract with the consumer.  We have marked the account as "disputed" for credit reporting.  We are not removing this account from ********************** reporting at this time.

  • Initial Complaint

    Date:02/20/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    MERHCNATS amp MEDICAL ACCOUNT NUMBER: 1356 To ensure that the **************************** report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the ***** Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation G) 1006.2(g) Definitions. (g) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 12 CFR Part 1006 - Fair Debt Collection Practices Act (Regulation F) (2) The term debt collector excludes: (i) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name;(ii) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the $1,000 fine for breaking this law.

    Business Response

    Date: 02/21/2024

    This consumer has never asked us for any documentation of the subject account.  The consumer has not provided us with any reason or evidence that the debt is not accurate.  We are a third-party collection agency and have permission to report this debt to the credit reporting agencies.  The consumer has not given us a copy of the credit report claimed to be inaccurate.  In summary, we have no reason to stop reporting this account to the ********************** reporting agencies.

  • Initial Complaint

    Date:02/04/2024

    Type:Order Issues
    Status:
    Answered
    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 Merchants & Medical Credit Corporation. They did not provide me with Original contract with my ID and signature.

    Business Response

    Date: 02/06/2024

    Our contract is with *****************************.  We need no contract with the consumer.  We have three open accounts for this consumer for three different terms.  We sent the consumer verification of debt for all three accounts.  The consumer has not given us any reason the debts are not owed.  We have fulfilled our obligations to the consumer.

Merchants & Medical Credit Corporation, Inc is NOT a BBB Accredited Business.

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