Collections Agencies
Merchants Association Collection Division Inc.This business is NOT BBB Accredited.
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Complaints
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
12/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to formally dispute a debt reported by MERCHANTS ASSOCIATION COLLECTI on my credit report. I believe this debt is not valid for the following reasons:No Contractual Agreement: I do not have any contract or agreement with the collection agency attempting to collect this debt.Lack of Documentation: Despite multiple requests, the collection agency has failed to provide me with the original contracts or any valid documentation substantiating this debt.I kindly request your assistance in resolving this matter. It is crucial that this inaccurate information be removed from my credit report promptly as it is impacting my financial standing.Thank you for your attention to this urgent matter. I look forward to your assistance in reaching a resolution.Business response
01/03/2025
We are in receipt of the consumer complaint from *.******-amoampong. We thank you for bringing this matter to our attention. In response,we twice provided the consumer with an itemized statement that identified the original creditor and amount due, and mailed it to the consumer at the address that appears on the complaint. Our review of the itemized statement reflects that we accurately reported the debt, with respect to the identity of the debtor and amount due, and we will not be making any changes or deletions at this time. The account was marked as "disputed", accordingly. We hope this adequately addresses your inquiry and resolves the consumers complaint.
Customer response
01/06/2025
Complaint: 22729132
I am rejecting this response because:I am writing in regard to your recent response stating that you have twice provided me with an itemized statement regarding the alleged debt. I must inform you that I have not received any such communications from your organization. It is crucial for me to receive proper documentation to verify the validity of this debt.
As per the Fair Debt Collection Practices Act (FDCPA), I request a complete verification of the debt. This includes providing substantive evidence that confirms my obligation to pay, such as the original signed contract or agreement with the creditor.
Furthermore, under the Fair Credit Reporting Act (FCRA), I am entitled to an accurate and fair credit report. I therefore request that you cease reporting this account to all ********************** reporting agencies until proper verification is provided.
Please ensure that the requested documentation is sent within 30 days of receipt of this letter. Should you fail to comply, I may be compelled to file complaints with the Consumer Financial Protection Bureau (CFPB) and consider further actions.
Sincerely,
***** ******-amoampongBusiness response
01/07/2025
Per the consumer's request, we are mailing another copy of the itemized statement. We hope this satisfies your inquiry and resolves the consumer's complaint.Customer response
01/07/2025
Complaint: 22729132
I am rejecting this response because: MESSAGE FROM BUSINESS:
Per the consumer's request, we are mailing another copy of the itemized statement. We hope this satisfies your inquiry and resolves the consumer's complaint.I AM WAITING FOR THE ITEMIZED STATEMENTS TO PROCEED.
Sincerely,
***** ******-amoampongInitial Complaint
05/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with AMEREN ILLINOIS, I do not have a contract with MERCHANTS ASSOCIATION CO. They did not provide me with the original contract as I requested.Business response
05/22/2024
We are in receipt of the consumer complaint from **************. We thank you for bringing this matter to our attention. Upon receipt of the consumers complaint,we requested an itemized statement from our client. We received the itemized statement and compared it against our information and did not find any discrepancies. As such, we are not changing or updating the consumers credit information at this time. We are mailing a copy of the itemized statement to the consumer at the address on file for his reference. (The consumer did not include an address with the complaint.) We hope this adequately addresses your inquiry and resolves the consumers complaint.
Initial Complaint
03/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Ameren Illinois. I do not have a contract with Merchants Association Collection Division Inc. They did not provide me with the original contract as requested.Business response
04/05/2024
We are in receipt of the consumer complaint from **************** We thank you for bringing this matter to our attention. Upon receipt of the complaint, we requested an itemized statement from our client. We intend to mail a copy to the consumer when we receive it. We hope this adequately addresses your inquiry and resolves the consumers complaint.
Initial Complaint
02/27/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I received a call. I missed the call. I called back. The lady who answered ****** didn't identify the company or the purpose of the call. She stated that the call was recorded. I asked her to identify the company which she refused and asked my name. I refused and asked if she was a bill collector she lied and said they weren't and refused to give me any information about the company or what they normally call about. I didn't want personal information I wanted to know who they were. She said she wouldn't give me any information so I hung up.Business response
03/01/2024
We are in receipt of the consumer complaint from ****************************. We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error or Sherloq Financials part. When Sherloqs rep answered the consumers return call, she did disclose the name of the company during the call. When asked about the purpose of the original call, Sherloqs rep tried to explain that she could not discuss anything about the call without first verifying who they were speaking to. When asked if we were a bill collector, Sherloqs rep said no,but that was part of a larger response to the consumer in which ******* was trying to explain that, no, she was not going to tell the consumer anything until she verified who she was speaking to. In short, Sherloq's reps do not discuss the purpose of the calls until they first verify who they are speaking to. We do this to avoid disclosing personal information to unauthorized third parties. In this instance, the consumer decided not to identify themselves and hung up. Again, we thank you for bringing this matter to our attention and hope this adequately addresses the consumers complaint.Customer response
03/01/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*********************************Initial Complaint
11/10/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
They keep calling my number and when I answer they hang up only to call back and do the same thing. I have no idea why they calling or who or what they are calling for. So if they dont have anything to say they need to stop calling. They have called everyday for 5 days and have done the same thing hung up. Either speak or take my number out of your robo dailer! I want asked again I have registered with do not call and will send a complaint to my state DNC reps.Business response
11/10/2023
We are in receipt of the consumer complaint from ********************************. We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Sherloq Financials part. According to our records, we called the complainant 5 times, but not 5 days in a row. Rather, we called 5 times over the course of approximately 51 days. In each call, we encountered an answering machine, in which case we do not leave messages. Nonetheless, we understand the complainant is requesting we cease communications. We noted the account accordingly. We hope this adequately addresses your inquiry and resolves the consumer's complaint.Initial Complaint
05/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I attached two documents. The paid bill of ******* and the check that cleared the bank as a copy is attached. It cleared the bank in their name. I think they should investigate the error on their part. As they keep up their harassing calls to my house to collect this ***** I would like a resolution and my account clearedBusiness response
05/10/2023
We are in receipt of the consumer complaint from Mr. ********** We thank you for bringing this matter to our attention. Upon receipt of the consumers complaint, Sherloq Financial reviewed the payment information provided, and the account, and determined that the payment was applied to a different account.The payment has since been applied to the appropriate account and is paid in full ($0.00 balance due). The consumer will not receive any further communication from Sherloq Financial regarding this account. We hope this adequately addresses your inquiry and resolves the consumers complaint.
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Customer Complaints Summary
6 total complaints in the last 3 years.
4 complaints closed in the last 12 months.
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