Merchants Credit Adjusters, Inc. – CFPB Complaint ID 3054066

Date Received: 2018-10-23T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On Saturday XX/XX/XXXX I purchased a sofa from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX for the amount of {$760.00}. It should be noted that XXXX XXXX XXXX is owned/operated by XXXX XXXX, XXXX. When I purchased the sofa the sales associate charged the purchase to my personal XXXX XXXX Visa credit card and the sofa was later delivered to my house. I did not open an account with XXXX and I did not finance this sofa. The sofa was paid in full on my own XXXX XXXX Visa credit card on an account I have had for years. I have the signed credit card receipt as well as a bank statement showing I was charged and completely paid for this sofa. A year and eight months later on Monday, XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX from a ” collections agency ” stating that I owe Stoneledge Furniture {$760.00}. This collections agency is Merchants Credit Adjusters , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the course of a year and eight months I was never contact by the XXXX XXXX XXXX in XXXX nor XXXX XXXX XXXX. If they had contacted me I would have provided documents demonstrating that the sofa was paid in full. I believe this is fraud on the part of either XXXX XXXX, XXXX XXXX, or Merchants Credit Adjusters to have me pay twice for an item that was already previously charged to my credit card and already paid in full. I argue that somewhere along the line either through an employee at the XXXX XXXX XXXX XXXX or at Merchants Credit Adjusters , Inc that my information was falsely used and they are trying to defraud me for an extra {$760.00}.

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Company: Merchants Credit Adjusters, Inc.

State/Zip: CA 953XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3054066

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