Debt collection -- Written notification about debt -- Complaint #4956344
Complaint Overview
Complaint ID: 4956344
Company: Head Mercantile Co., INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Mississippi
ZIP Code: 395XX
Date Received: 2021-11-29T12:00:00-05:00
Date Sent to Company: 2021-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2020 I had the SOS Group ( Original Debtor is XXXX XXXX XXXX ) put a number of delinquent accounts under collection on my SSN. I moved in XX/XX/2020 and even after filing a change of address, I did not receive the collection letters. As soon as I did receive them, I paid off the collection immediately. I worked for a company named XXXX XXXX. I had insurance through them and the company was sold in 2020. The insurance switched over to the new company, XXXX. The insurance company changed from XXXX to XXXX XXXX XXXX XXXX. XXXX has been sold as well to XXXX. I have tried contacting someone on this and they tell me to contact the debtor. SOS Group tells me to contact XXXX XXXX. XXXX told me the account shows paid but when I apply for credit, I am being denied due to collections. I pay all my bills on time and pay my credit cards off monthly. I do not work with that company anymore. Since the buyouts, I think I may have fallen through the cracks with my complaints. My bank told me to contact the FTC. What options do I have available to me?
Frequently Asked Questions
What is Complaint #4956344 about?
Complaint #4956344 was filed against Head Mercantile Co., INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-11-29T12:00:00-05:00.
How did Head Mercantile Co., INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Head Mercantile Co., INC.?
Yes, visit the Head Mercantile Co., INC. company profile at readthecomplaint.com/company/head-mercantile-co-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.