|
11442542
|
2025-01-08
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Auto debt
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
4856690
|
2021-10-29
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-29
|
| Complaint What Happened |
So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for?
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4162786
|
2021-02-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2021-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-11
|
| Complaint What Happened |
MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety.
Account information below : Account number : XXXX.
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion.
Misrepresentation of facts.
Failure to mark account as disputed.
Bill was contested and disputed which he did not incur, there was no contractual basis for debt.
Negligence.
Unfair business practices.
Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible.
Please send the attached documentation to the company.
Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10382261
|
2024-10-08
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3501285
|
2020-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2020-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-24
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2785593
|
2018-01-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''.
Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX.
Also there 's no social security number identifying that this debt even belong to me.
Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2828615
|
2018-02-28
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2018-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-02
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2560357
|
2017-06-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2017-06-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-10
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , fl XXXX To whom i t may concern, MG CREDIT NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of th e Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported corre ctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX , defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to p romptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. NAME OF THE ACCOUNT MG CREDIT {$790.00} Account # XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2750675
|
2017-12-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2017-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2379920
|
2017-03-09
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Medical
|
| Date Received |
2017-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-03-13
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2754736
|
2017-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-12-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2494676
|
2017-05-26
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2017-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
M.G. Credit is attempting to collect on a debt that was dismissed by XXXX County Courts per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT, XXXX XXXX XXXX , Signed by XXXX XXXX XXXX XXXX and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with XXXX , XXXX and XXXX .
|
| Consumer Consent Provided |
Consent provided
|
|
|
10780587
|
2024-11-14
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1076731
|
2014-10-18
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-10-24
|
| Consumer Consent Provided |
N/A
|
|
|
1760629
|
2016-01-27
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical
|
| Date Received |
2016-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-08
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2346459
|
2017-02-15
|
Improper contact or sharing of info
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted me after I asked not to
|
| Sub Product |
Medical
|
| Date Received |
2017-02-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017.
USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt.
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4509141
|
2021-07-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2021-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-02
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MG CREDIT plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$840.00}
|
| Consumer Consent Provided |
Consent provided
|
|
|
10037377
|
2024-09-07
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
MG Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) MG CREDIT - XXXX DearMG Credit XXXX Dear Sir or Madam, I am writing in regard to the alleged debt you are attempting to collect. Pursuant to theFair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.Please supply the following information so that I can be fully informed : 1. Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provideme with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor.
XXXX. Details of the debt Breakdown of charges : Please provide me with a detailed explanation of theamount owed, including a breakdown of all additional charges, interest, and payments made.
Last billing statement : Please provide a copy of the last billing statement sent tome by the original creditor.
Amount owed at the time of transfer : Indicate the amount of the debt at the timeyou obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition.
XXXX. Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer.If the original creditor has another name by which I might know them, please include that as well.
Transfer of the debt : Inform me when the current creditor obtained the debt andfrom whom they obtained it.
XXXX. Proof of your authority to collect this debt Documentation of your legal authority : Please provide proof that your agencyhas the legal authority to collect this debt on behalf of the current creditor. Thisshould include any contract or agreement that grants you the right to act on behalfof the original creditor.
Debt collection license in my state : Provide the details of your debt collectionlicense in my state, including the date of issuance, the name on the license, thelicense number, and the contact information of the state agency that issued the license.XXXX. Additional requested information Due date and delinquency : Indicate when the creditor claims this debt becamedue and when it became delinquent. Also, identify the date of the last paymentmade on this account.
Statute of limitations : Have you determined that this debt is within the applicablestatute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination.Until I receive the requested validation, I consider any attempt to collect this debt inappropriate and in violation of the FDCPA. Therefore, I request that you cease allcollection efforts until proper validation has been provided.I expect to receive the requested information within 30 days of your receipt of this letter.
Thank you in advance for your cooperation and attention to this matter.
XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4661417
|
2021-08-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2021-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The debt this agency was initially trying to collect was already paid for by myself and the medical insurance company prior to going into debt collections. The debt was resolved with and paid directly to the Medical Practice.
I have initiated several disputes to remove the collection from the credit reporting bureau. MG has marked the collection as paid when it is in fact not truly a collection or even one resolved by the collector. I continue to ask them to remove from the credit bureau to no avail.
The latest dispute has been attached along with a reply which offers false information. A statement request has been submitted to my doctors office asking and can be provided upon this bureaus request.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2564978
|
2017-07-03
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-13
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2945552
|
2018-06-25
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2018-06-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-25
|
| Complaint What Happened |
Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3669939
|
2020-05-27
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2020-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-01
|
| Complaint What Happened |
I received notice from tis company that I owed them money I have never done business with them. I requested they validate the debt, they send back a transaction sheet, which does not show me any services rendered or what I am supposedly being billed for. The personal information they sent back did not match mine. I sent them another letter after this advising of such and they have now started reporting on my credit. They did not update the account as in dispute nor have they sent me a proper validation of this debt, and that they are contracted by who I supposedly owe this debt too. Per their XXXX reviews I see this is a common violation for them. I have kept all documents as well as my certified mail receipts showing they have received my letters and ignored them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1318767
|
2015-04-07
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2015-04-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-04-09
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!
|
| Consumer Consent Provided |
Consent provided
|
|
|
622736
|
2013-12-05
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2013-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-01-17
|
| Consumer Consent Provided |
N/A
|
|
|
7388992
|
2023-08-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-13
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
15 U.S.C 1681 Section 602 A. States 1 have the right to privacy.
( Original creditor ) is XXXX XXXX XXXX XXXX it was placed for placed for collection with a creditor by the name of MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. It also saying that the account is closed but I'm also showing something saying its open. I think its open because of the company selling it to an collector. And the amount of {$1000.00} This was created back in XXXX XXXX XXXX ( 4 years ) 15 U.S.C 1681 Section 604. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
565184
|
2013-10-21
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2013-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-10-23
|
| Consumer Consent Provided |
N/A
|
|
|
838642
|
2014-05-05
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Medical
|
| Date Received |
2014-05-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-23
|
| Consumer Consent Provided |
N/A
|
|
|
1295173
|
2015-03-23
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-03-23
|
| Complaint What Happened |
My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8443010
|
2024-02-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-02-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-28
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1794555
|
2016-02-18
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-02-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2328372
|
2017-02-05
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
M. G. Credit, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2017-02-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-08
|
| Complaint What Happened |
This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
|
| Consumer Consent Provided |
Consent provided
|
|
