4507637
|
2021-07-01
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Medical debt
|
Date Received |
2021-07-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-01
|
Complaint What Happened |
I have a large medical balance with XXXX XXXX XXXX. When I tried to set up a payment plan, they wanted a $ XXXX payment, which is impossible for me to make. I have, however, made a payment to them every month for the last 10 months ( since I got the bill ). They however sent my acct to collection because it is not a $ XXXX payment. The collection agency calls me all the time. Telephone # XXXX. They never leave a message, if i answer they hang up, etc. I just received a call at my workplace from a XXXX XXXX, who refused to identify herself except as XXXX to the secretary. I have told her under no uncertain terms, she is not to call my work #. She says she is allowed to unless I tell her not to, which she has now been told. I find it absolutely unbelievable that an acct that has never gone 30 days without a payment ( and some as often as every 2 weeks ) has been sent to collection, let alone an acct that has monthly payments on it, allows this woman to contact my workplace!
|
Consumer Consent Provided |
Consent provided
|
|
3032969
|
2018-09-30
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
I do not know
|
Date Received |
2018-09-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-09-30
|
Consumer Consent Provided |
Consent not provided
|
|
2064434
|
2016-08-15
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Talked to a third party about my debt
|
Sub Product |
Medical
|
Date Received |
2016-08-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-08-22
|
Complaint What Happened |
Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.
|
Consumer Consent Provided |
Consent provided
|
|
2137796
|
2016-09-29
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Contacted me after I asked not to
|
Sub Product |
Non-federal student loan
|
Date Received |
2016-09-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-09-29
|
Complaint What Happened |
Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.
|
Consumer Consent Provided |
Consent provided
|
|
1826997
|
2016-03-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-03-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-03-10
|
Consumer Consent Provided |
Consent not provided
|
|
2006824
|
2016-07-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-07-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-11
|
Complaint What Happened |
XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.
|
Consumer Consent Provided |
Consent provided
|
|
1248327
|
2015-02-19
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Used obscene/profane/abusive language
|
Sub Product |
Non-federal student loan
|
Date Received |
2015-02-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-02-19
|
Consumer Consent Provided |
N/A
|
|
1550818
|
2015-09-03
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-09-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-09-03
|
Complaint What Happened |
I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.
|
Consumer Consent Provided |
Consent provided
|
|
1588261
|
2015-10-01
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-10-01
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-10-05
|
Consumer Consent Provided |
N/A
|
|
898677
|
2014-06-17
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2014-06-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-07-01
|
Consumer Consent Provided |
N/A
|
|
1083806
|
2014-10-23
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2014-10-23
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-10-28
|
Consumer Consent Provided |
N/A
|
|
813614
|
2014-04-17
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-04-17
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-04-22
|
Consumer Consent Provided |
N/A
|
|
1188884
|
2015-01-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt resulted from identity theft
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-01-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-01-13
|
Consumer Consent Provided |
N/A
|
|
1113188
|
2014-11-12
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-11-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-11-26
|
Consumer Consent Provided |
N/A
|
|
1402059
|
2015-06-02
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2015-06-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-06-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
1068944
|
2014-10-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-10-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-10-16
|
Consumer Consent Provided |
N/A
|
|
1100537
|
2014-11-04
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Right to dispute notice not received
|
Sub Product |
Medical
|
Date Received |
2014-11-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-11-04
|
Consumer Consent Provided |
N/A
|
|
581724
|
2013-11-01
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
I do not know
|
Date Received |
2013-11-01
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-11-05
|
Consumer Consent Provided |
N/A
|
|
574543
|
2013-10-28
|
Improper contact or sharing of info
|
Debt collection
|
|
Issue |
Improper contact or sharing of info
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Talked to a third party about my debt
|
Sub Product |
Medical
|
Date Received |
2013-10-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2013-10-28
|
Consumer Consent Provided |
N/A
|
|
2192938
|
2016-11-03
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-11-03
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-26
|
Consumer Consent Provided |
N/A
|
|
659312
|
2014-01-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-01-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
Yes
|
Date Sent To Company |
2014-01-08
|
Consumer Consent Provided |
N/A
|
|
1412394
|
2015-06-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2015-06-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-06-09
|
Consumer Consent Provided |
Consent not provided
|
|
1334147
|
2015-04-16
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-04-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-04-16
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2230523
|
2016-11-30
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-11-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-11-30
|
Consumer Consent Provided |
Consent not provided
|
|
6892657
|
2023-04-27
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2023-04-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-04-27
|
Complaint What Happened |
They are charging me utilities bills that does not belong to me
|
Consumer Consent Provided |
Consent provided
|
|
1215698
|
2015-01-29
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-01-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-01-29
|
Consumer Consent Provided |
N/A
|
|
1909699
|
2016-05-04
|
Managing the loan or lease
|
Consumer Loan
|
|
Issue |
Managing the loan or lease
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Consumer Loan
|
Sub Product |
Vehicle loan
|
Date Received |
2016-05-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-05-06
|
Consumer Consent Provided |
Consent not provided
|
|
1009740
|
2014-09-02
|
Problems when you are unable to pay
|
Consumer Loan
|
|
Issue |
Problems when you are unable to pay
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Consumer Loan
|
Sub Product |
Installment loan
|
Date Received |
2014-09-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-09-05
|
Consumer Consent Provided |
N/A
|
|
797636
|
2014-04-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
I do not know
|
Date Received |
2014-04-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-04-07
|
Consumer Consent Provided |
N/A
|
|
1576546
|
2015-09-23
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-09-23
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-09-28
|
Consumer Consent Provided |
N/A
|
|
3358322
|
2019-08-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
MERCANTILE ADJUSTMENT BUREAU, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2019-08-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-08-29
|
Complaint What Happened |
A hospital in XXXX NY ( XXXX ) was trying to collect on a bill that was already paid. I never received a bill for {$280.00} from the hospital itself but was notified by a debt collector.
|
Consumer Consent Provided |
Consent provided
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