Merchants' Credit Guide ripoff, scam, trying to bill me for $665.47 for an account I never had! Chicago & Hauppauge Illinois & New York
On Jan. 9, 2006 I received a letter dated Dec. 29, 2005 from Merchants' Credit Guide Co. stating that they represent CFB Financial III LLC, that the original creditor is Shell Oil and that I owe them $665.47.
That same night I called the telephone number 866-371-6934 to dispute the letter. I stayed on hold for one hour from 7:19pm to 8:19pm. With no response, I hung up.
The next day, Jan 10, 2006 I found Merchants Credit Guide Co. on the internet and e-mailed (I have copy) the infamous Ken Hughes Colecton Agency Representative telling him that I NEVER had an account with either CFB Financial nor Shell Oil and that I registed their company with RipoffReport.com and that I was going to report them to the three Attorey Generals namely Illinois, New York and Pennsylvania. I also told them that I expect a response from them clearing my name on the three credit agencies.
The e-mail came back to me from Dameon reporting a failure to send and that no such e-mail exists.
Today Jan. 18, 2005 around 4:30pm I receive a recording stating that there was a very important message and for me to return the call to 888-249-4134. I immediately returned the call and someone named Ramon answered.
Well, I blasted him. I told him that I NEVER had any accounts with either two companies and that I reported his company to Ripoffreport.com. He laughed. He first asked me for my telephone number which I wuldn't give him and then he asked me for the file number on the letter which is 15-059618568.
He then proceeded to tell me that this account is from 1986 and that I lived at 81 Birch Street, Bloomfield, NJ. I kept telling him that he had the wrong person. Yes, I did live in Bloomfield, NJ but what has that got to do with the price of tea in China?? Any previous address is common knowledge with the three credit agencies!
In 2001, when I bought my home here is PA I went through an extensive credit investigation in order to purchase my home. Nowhere on any of the credit reports was this outstanding bill to be paid. This is a SCAM
Joyce a.
Matamoras, Pennsylvania
U.S.A.
1 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Joyce, just do this....
#2Consumer Suggestion
Thu, January 19, 2006
First, NO MORE phone calls.
Send a "Cease Communications" request by certified mail, return reciept requested and put a copy of the certified# on the letter and keep a copy for your records.
File a complaint at www FTC gov on them for attempting to collect a time barred debt. The statute of limitations has obviously passed.
Check your credit and dispute any collections activity they may have added.
Instead of the letter above you can first send a Debt Validation request by the same means above. State that you dispute the debt and you want to see something that you allegedly signed and an account history.
You will never hear from them again. Guaranteed.