CFPB Complaint

Walwick, Inc – CFPB Complaint ID 2696417

Consumer Complaint Submission

Date Received: 2017-10-09T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt.

Details : – My family and I rented a house and XXXX supplied garbage and recycle services.
– My family and I moved out at the end of XX/XX/XXXX.
– During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out.
– XXXX kept billing us so I called and disputed the billing.
– The owner of the house also called XXXX and he was told that there was no outstanding bill.
– Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation.
– I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA – I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours.
– A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association.

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt?

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress!

See also  Navient Solutions - CFPB Complaint ID 3105641

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it.

WRONG! – I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes.


Company: Walwick, Inc

State/Zip: WA 989XX

Company Response to Complaint: Untimely response

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 2696417

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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