colleagues
  • Report: #314311

Complaint Review: Merchants' Credit Guide Co.

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Monday, March 03, 2008
  • Posted: Monday, March 03, 2008
  • Reported By:Idaho City Idaho
Merchants' Credit Guide Co.
223 W. Jackson Blvd Chicago Illinois 60606 U.S.A.

Merchants' Credit Guide Co. bogus letter for debt that was paid YEARS ago Chicago Illinois


1Author 0Consumer 0Employee/Owner

Respond to this Report

  • Respond to this report!
    What's this?
  • Also a victim?
    What's this?
  • Repair Your Reputation
    ...the right way!
    Corporate Advocacy Program
Ok- so here's what I want to know. I got a letter from these jerks stating that I still owed a debt to "NCO Financial". I (not knowing) called to find out who the heck that is. They told me Pottery Barn.

Well I had a Pottery Barn card years ago (first apartment, too much debt) which *DID* go to collections, back then, and I paid it as a charge off (where they have you pay a certain percentage and the rest is written off). I also did the same thing back then with a Pier 1 card. I've since had Pier 1 try to come after me again saying I owed them the amount of the charge off still- which I disputed and won. NOW I get this crap from Merchants Credit saying I still owe Pottery Barn. Who by the way uses World Financial Bank, not NCO for their collections. This credit card is from 2002. I think they are trying to collect either on the charge off amount (which I'm having trouble proving...I've moved 3 times since then and have NO idea where those records are.) Do I have to prove to them that the debt was paid? Should I try contacting the bank who issued me the Pottery Barn card to find out if they show it as paid? I KNOW that I paid it. I just don't know where the proof is. Though if it IS past 7 years do I even have to show them proof or just tell them to shove it?

Before realizing I should send it certified mail I sent a letter (which I did keep a copy of) stating I was disputing the debt, that it had already been paid, and that I had informed a representative of that fact when I called. Now I'm wondering if I should send a second, formal, certified letter tomorrow telling them not to contact me, the debt has been paid, and to shove it.

Advice?

Stephanie
Idaho City, Idaho
U.S.A.

This report was posted on Ripoff Report on 3/3/2008 2:47:59 PM and is a permanent record located here: http://www.ripoffreport.com/corrupt-companies/merchants-credit-gui/merchants-credit-guide-co-bo-7fcc9.htm.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Merchants Credit Guide

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.