Debt collection -- False statements or representation -- Complaint #5821040
Complaint Overview
Complaint ID: 5821040
Company: Merchants Acceptance CORP
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Told you not to respond to a lawsuit they filed against you
State: California
ZIP Code: XXXXX
Date Received: 2022-07-28T12:00:00-05:00
Date Sent to Company: 2022-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a account with XXXX that went into default in XX/XX/XXXX. I had decided to return the vacuum cleaner to the company and placed it on my front porch for pickup. The XXXX rep stated they never received the vacuum. The account was charged off and sold to the collection agency Merchant acceptance. My contact with Merchant acceptance was minimum since I did indeed leave the vacuum on my porch for pickup. Today XX/XX/XXXX my mortgage lender informed me that there is a civil case against me from Merchant acceptance, however, I was never served nor informed of any court proceedings and or the intent to sue. I verified the case online at the XXXX county court online. I called Merchant acceptance today XX/XX/XXXX and they said I was indeed served in XX/XX/XXXX. I informed them that I was never served and had absolutely no knowledge of the legal proceedings. The Merchant acceptance representative said the party that supposedly served me gave them a description of me. The Merchant acceptance representative said I was XXXX, I was XXXX ft XXXX, XXXX pounds, with XXXX hair, XXXX eyes, and am XXXX. However, on XX/XX/XXXX I had XXXX hair with a small amount of XXXX at the back of my head, I was XXXX pounds, and I am XXXX ft XXXX. He asked if maybe 1 one of my daughters answered the door and accepted the court papers but my children were XXXX and XXXX XXXX XXXX. I asked the merchant acceptance representative if he could do anything about this since its illegal and he said there is nothing that can be done because they paid someone to serve me and the person signed the court document under penalty of perjury but that does not change the fact that I was never served nor did I have any knowledge of the court proceedings. I would like this account to be removed from my credit report and the civil case dismissed since the notice of service was a forgery.
Frequently Asked Questions
What is Complaint #5821040 about?
Complaint #5821040 was filed against Merchants Acceptance CORP regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-07-28T12:00:00-05:00.
How did Merchants Acceptance CORP 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 Merchants Acceptance CORP?
Yes, visit the Merchants Acceptance CORP company profile at readthecomplaint.com/company/merchants-acceptance-corp 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.