• Report: #327096

Complaint Review: Merchants' Credit Guide Co.

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  • Submitted: Fri, April 18, 2008
  • Updated: Sat, April 19, 2008

  • Reported By:Decatur Texas
Merchants' Credit Guide Co.
223 W. Jackson Blvd. Chicago, Illinois Nationwide U.S.A.

Merchants' Credit Guide Co. BOGUS "Collections effort" on nonexistant account; first question from them was " what's your ss#?! Oaks, Pa., Chicago, Illinois

*Consumer Comment: B.B.B.-OVERWHELMING # OF COMPLAINTS re: Merchants' Credit Guide Co.-Reputation is "UNSATISFACTORY"!

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I knew this was someones attempt at scamming people because I have no account with the company they " represent" , and never have.

Their first question when I called was " what's your ss#"....so I knew right away that it was most definently a scam attempt.

The first person I spoke to- a female named "Kizzie" or Shaniqua or Shanaynay or some other was rude and unprofessional and hung up on me when I wouldn't give her a ss #.... ooh! typical " collection agency" tactics...NOT!! ..Puhleeze!! Apparently " biness" isn't as rewarding as these folks had hoped.

People should beware of lowlife scum like this group. With the form letter they send out and talk of representing a company that " owns the account that you are in arrears to in an effort to collect monies owed".... they list a minimum of three acct no.'s..their file #.... " Account #".....and " original creditor".... they are trying to confuse people into wondering whether or not they MAY somehow owe this money to someone... and they are trying to capitalize on the good nature of decent people who generally don't want their name on a poo-poo list, so I am quite certain that they have pocketed a nice chunk of money.
WHAT A PATHETIC EXISTANCE THESE PEOPLE MUST BE SUFFERING!

WHAT HOPELESS, WORTHLESS,MEANINGLESS LIVES THESE PEOPLE HAVE CHOSEN TO LIVE!

TO MAKE A CONSCIOUS DECISION TO DECIEVE AND STEAL FROM DECENT, RESPECTABLE, HARD WORKING, LAW ABIDING CITIZENS THAT PAY THEIR BILLS, WITH HONEST WORK AND THE SWEAT OF THEIR BROW IS SICKENING.

THESE THIEVES ACTUALLY COUNT ON PEOPLE BEING RESPONSIBLE AND HONEST- AND WANTING TO KEEP A GOOD NAME FOR THEMSELVES.

THESE NAUSEATING EXCUSES FOR " HUMANS" KNOW THAT THE WORLD HAS GOOD PEOPLE IN IT., AND THEY KNOW THAT THEY THEMSELVES ARE NOT A PART OF THOSE GOOD PEOPLE.

THERE IS A BRIGHT SIDE TO THIS SIMPLE MINDED, POORLY ORCHESTRATED SCAM; AND THAT IS THIS:

THE NAUSEATING EXCUSES FOR HUMANS THAT ARE TRYING TO OPERATE THIS SCAM ARE PAINFULLY POOR LIARS ; OBVIOUSLY UNDEREDUCATED ; SOCIETIES UNDERBELLY AND OUTCASTS, AND THEY ARE SOCIALLY DISFUNCTIONAL.

THEY CANNOT HAVE PLEASANT, MEANINGFUL OR FULLFILLING RELATIONSHIPS WITH ANYONE-
THE REASON FOR THIS IS THAT THEY KNOW WHAT KIND OF PEOPLE THEY THEMSELVES ARE.

THEREFORE THEY KNOW WHAT PEOPLE ARE CAPABLE OF.
THEY CANNOT TRUST ANYONE BECAUSE THEY KNOW THAT THEY THEMSELVES CANNOT BE TRUSTED .

THAT CRIPPLES THEM FROM BEING ABLE TO TRUST ANYONE ELSE, NO MATTER HOW SLIGHTLY.

IF YOU CAN'T TRUST YOURSELF; WHO CAN YOU TRUST?
THE ANSWER IS A RESOUNDING "NOONE"!
WHAT A LONELY AND PATHETIC EXISTANCE!


BUT ALAS, LOSERS...THERE IS HOPE!

HIS NAME IS JESUS CHRIST. TALK TO HIM!!!
HE CAN SAVE YOU FROM YOURSELF AND YOUR VILE AND WICKED WAYS.
HE IS YOUR ONLY HOPE FOR REDEMPTION.
WHEN YOU HAVE RUN OUT OF "FRIENDS" & ACCOMPLICES;
WHEN YOU HAVE STOOPED SO LOW THAT YOU TURN EVEN THE DEVIL'S STOMACH,
JESUS CHRIST WILL BE THERE FOR YOU!
BUT DON'T HESITATE. BEFORE YOU ARE "OFFED" IN YOUR SLEEP BY ONE OF YOUR SUSPICIOUS AND UNTRUSTING "PARTNERS".

THEY ARE THIEVES- JUST LIKE YOU- SO YOU KNOW THEY ARE HOLDING OUT ON YOU....AND THEY KNOW YOU ARE RIPPING THEM OFF TOO.......

AND YOU KNOW THEY ARE GONNA DROP YOUR NAME AND YOUR GAME TO THE LAW REAL FAST TO SAVE THEIR OWN AZZEZ......
WHERE ARE THEY ANYWAY?!WHAT ARE THEY DOING?! WHAT ARE THEY SAYING BEHIND YOUR BACK?! ARE YOU SURE THEY AREN'T SCAMMING YOU AND STEALING YOUR CUT?!! WHAT ABOUT YOU?! THEY KNOW THEY CAN'T TRUST YOU EITHER!! WATCH YOUR BACK - CUZ NOONE'S GOT IT FOR YOU! ...THEY'VE ONLY "GOT IT OUT FOR YOU" ......

-----------------------------------------
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Keely
Decatur, Texas
U.S.A.

This report was posted on Ripoff Report on 04/18/2008 01:29 PM and is a permanent record located here: http://www.ripoffreport.com/r/Merchants-Credit-Guide-Co/nationwide/Merchants-Credit-Guide-Co-BOGUS-Collections-effort-on-nonexistant-account-first-quest-327096. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

B.B.B.-OVERWHELMING # OF COMPLAINTS re: Merchants' Credit Guide Co.-Reputation is "UNSATISFACTORY"!

AUTHOR: Keely - (U.S.A.)

Though apparently licensed; this company continually "trolls" for victims to ftake the bait and fall for it's "attempt to collect a debt" scam.

If this company notifies you regarding an "outstanding debt" - do not give them any further opportunity to decieve, confuse or manipulate you . They are literally stealing money from people who want to keep a clean name and a clear conscience.

*** THERE IS A CLAUSE/STATEMENT IN THEIR " ATTEMPT TO COLLECT A DEBT" NOTICE THAT SHOULD NOT BE OVERLOOKED- AND PROBABLY SHOULD NOT BE IGNORED. IF IGNORED, IT MAY LEND " CREDENCE" TO THEIR "EFFORTS TO COLLECT ON A DEBT" - EVEN IF NO DEBT EXISTS.

*The following statement is copied exactly as it appears in their notice.

" Unless you notify this office within 30 days after recieving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt to be valid."

THE BETTER BUSINESS BUREAU HAS A VERY LONG LIST OF COMPLAINTS FILED AGAINST THIS COMPANY REGARDING IT'S PRACTICES AND OPERATIONS.

OVERWHELMING NUMBERS OF JUSTIFIABLE COMPLAINTS ABOUT THIS COMPANY LEAD THE B.B.B. TO LABEL THIS COMPANY AS " UNSATISFACTORY".

BBB REPORTS RE THIS COMPANY CAN BE FOUND AT:
http://chicago.bbb.org/WWWRoot/Report.aspx?site=46&bbb=0654&firm=12020776


THESE ARE CRIMINALS OF THE WORST KIND.
THEY APPARENTLY ARE LICENSED TO STEAL!

BEWARE OF MERCHANTS' CREDIT GUIDE CO. !!!

**PROTECT YOURSELF AND YOUR MONEY FROM THESE CROOKS!!**

UNDER NO CIRCUMSTANCES REVEAL YOUR SOCIAL SECURITY NUMBER OR ANY
CREDIT CARD OR BANK ACCOUNT #'S TO THIS COMPANY.

DO NOT FALL VICTIM TO THIS "ATTEMPT TO COLLECT" SCAM.

They sent a collection notice to me demanding over $5,000.00 to satisfy a debt that does not exist.

People actually fall for this scam and pay monies on "debts" they have no records of , and/or don't remember incurring.

Apparently it is not illegal to advise someone that they owe you money and accept "payment" from them.

Also apparent is that some people are not only cooperative, but actually willing to be victims of this scheme, as they do not contest the "debt" claimed against them.

As for me.....my momma didn't raise a fool. I am not "victim" material !!
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