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Business Profile

Collections Agencies

Merchants Association Collection Division Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Important information

  • Customer Complaint:
    BBB files indicate that this business has a pattern of complaints concerning: Failure to send consumers validation of debt after consumers request, and delay in closing accounts consumers have paid. On December 11, 2014, the BBB sent a request to the business to address this pattern and what actions the business has taken to help eliminate the causes of complaints.

    A response from the business has been received and is being reviewed.

Complaints

This profile includes complaints for Merchants Association Collection Division Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Merchants Association Collection Division Inc. has 3 locations, listed below.

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    Customer Complaints Summary

    • 9 total complaints in the last 3 years.
    • 4 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/28/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I honestly dont get why MERCHANTS AD is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 1643 Amount Disputed: $870

      Business Response

      Date: 04/28/2025

      We are in receipt of the consumer complaint from *.*********. We thank you for bringing this matter to our attention. Upon a careful review of this matter, we are unable to locate an account for this consumer with the information provided. As such, we believe the consumer may be referring to another agency. If the consumer believes this is an error, we would encourage them to submit any additional information they may have (e.g., copy of correspondence from us, full account number, etc.) to help us identify their account. If the consumer provides such additional information, and we are able to identify an account, then we will be happy to respond to the consumers complaint at that time.

    • Initial Complaint

      Date:03/11/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ***************, I do not have a contract with Merchant Association Collection Division/Sherloq Financial, they did not provide me with the original contract as requested

      Business Response

      Date: 03/11/2025

      We are in receipt of the consumer complaint from *. *****. We thank you for bringing this matter to our attention. Upon a careful review of this matter,there does not appear to have been any error on Sherloq Financials part. We received the consumers dispute on October 8, 2024 and requested an itemized statement from our client on October 14, 2024. We received the itemized statement from our client and mailed a copy to the consumer at the address on file on November 11, 2024. We reviewed the itemized statement against our account information and did not see any discrepancies; the information appeared to be accurate. We see from the consumers BBB complaint that they reside at a different address than the address on file, so we are mailing a copy of the itemized statement to that updated address. Again, we thank you for bringing this matter to our attention, and we hope this adequately addresses your inquiry and resolves the consumers complaint.

       

    • Initial Complaint

      Date:02/19/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have been admitted to such a bank without my knowledge and signature, and I have no signature with this bank at all.

      Business Response

      Date: 02/21/2025

      We are in receipt of the consumer complaint from Z. Muyasev.We thank you for bringing this matter to our attention. Upon a careful review of this matter, we are unable to locate an account for this consumer with the name,address and other information provided. As such, we believe the consumer may be referring to another company. Regardless, unless the consumer provides additional information (e.g., a copy of any correspondence received, an account number,etc.) to identify their account, we cannot help the consumer at this time. 

       

    • Initial Complaint

      Date:12/26/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to formally dispute a debt reported by MERCHANTS ASSOCIATION COLLECTI on my credit report. I believe this debt is not valid for the following reasons:No Contractual Agreement: I do not have any contract or agreement with the collection agency attempting to collect this debt.Lack of Documentation: Despite multiple requests, the collection agency has failed to provide me with the original contracts or any valid documentation substantiating this debt.I kindly request your assistance in resolving this matter. It is crucial that this inaccurate information be removed from my credit report promptly as it is impacting my financial standing.Thank you for your attention to this urgent matter. I look forward to your assistance in reaching a resolution.

      Business Response

      Date: 01/03/2025

      We are in receipt of the consumer complaint from *.******-amoampong. We thank you for bringing this matter to our attention. In response,we twice provided the consumer with an itemized statement that identified the original creditor and amount due, and mailed it to the consumer at the address that appears on the complaint. Our review of the itemized statement reflects that we accurately reported the debt, with respect to the identity of the debtor and amount due, and we will not be making any changes or deletions at this time. The account was marked as "disputed", accordingly. We hope this adequately addresses your inquiry and resolves the consumers complaint.

      Customer Answer

      Date: 01/06/2025

       
      Complaint: 22729132

      I am rejecting this response because:

       

      I am writing in regard to your recent response stating that you have twice provided me with an itemized statement regarding the alleged debt. I must inform you that I have not received any such communications from your organization. It is crucial for me to receive proper documentation to verify the validity of this debt.
      As per the Fair Debt Collection Practices Act (FDCPA), I request a complete verification of the debt. This includes providing substantive evidence that confirms my obligation to pay, such as the original signed contract or agreement with the creditor.
      Furthermore, under the Fair Credit Reporting Act (FCRA), I am entitled to an accurate and fair credit report. I therefore request that you cease reporting this account to all ********************** reporting agencies until proper verification is provided.
      Please ensure that the requested documentation is sent within 30 days of receipt of this letter. Should you fail to comply, I may be compelled to file complaints with the Consumer Financial Protection Bureau (CFPB) and consider further actions.

      Sincerely,

      ***** ******-amoampong

      Business Response

      Date: 01/07/2025

      Per the consumer's request, we are mailing another copy of the itemized statement. We hope this satisfies your inquiry and resolves the consumer's complaint.

      Customer Answer

      Date: 01/07/2025

       
      Complaint: 22729132

      I am rejecting this response because: MESSAGE FROM BUSINESS:

      Per the consumer's request, we are mailing another copy of the itemized statement. We hope this satisfies your inquiry and resolves the consumer's complaint.

       

       

       

      I AM WAITING FOR THE ITEMIZED STATEMENTS TO PROCEED.

      Sincerely,

      ***** ******-amoampong

    • Initial Complaint

      Date:05/13/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with AMEREN ILLINOIS, I do not have a contract with MERCHANTS ASSOCIATION CO. They did not provide me with the original contract as I requested.

      Business Response

      Date: 05/22/2024

      We are in receipt of the consumer complaint from **************. We thank you for bringing this matter to our attention. Upon receipt of the consumers complaint,we requested an itemized statement from our client. We received the itemized statement and compared it against our information and did not find any discrepancies. As such, we are not changing or updating the consumers credit information at this time. We are mailing a copy of the itemized statement to the consumer at the address on file for his reference. (The consumer did not include an address with the complaint.) We hope this adequately addresses your inquiry and resolves the consumers complaint.

       

    • Initial Complaint

      Date:03/26/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Ameren Illinois. I do not have a contract with Merchants Association Collection Division Inc. They did not provide me with the original contract as requested.

      Business Response

      Date: 04/05/2024

      We are in receipt of the consumer complaint from **************** We thank you for bringing this matter to our attention. Upon receipt of the complaint, we requested an itemized statement from our client. We intend to mail a copy to the consumer when we receive it. We hope this adequately addresses your inquiry and resolves the consumers complaint.

       

    • Initial Complaint

      Date:02/27/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a call. I missed the call. I called back. The lady who answered ****** didn't identify the company or the purpose of the call. She stated that the call was recorded. I asked her to identify the company which she refused and asked my name. I refused and asked if she was a bill collector she lied and said they weren't and refused to give me any information about the company or what they normally call about. I didn't want personal information I wanted to know who they were. She said she wouldn't give me any information so I hung up.

      Business Response

      Date: 03/01/2024

      We are in receipt of the consumer complaint from ****************************. We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error or Sherloq Financials part. When Sherloqs rep answered the consumers return call, she did disclose the name of the company during the call. When asked about the purpose of the original call, Sherloqs rep tried to explain that she could not discuss anything about the call without first verifying who they were speaking to. When asked if we were a bill collector, Sherloqs rep said no,but that was part of a larger response to the consumer in which ******* was trying to explain that, no, she was not going to tell the consumer anything until she verified who she was speaking to. In short, Sherloq's reps do not discuss the purpose of the calls until they first verify who they are speaking to. We do this to avoid disclosing personal information to unauthorized third parties. In this instance, the consumer decided not to identify themselves and hung up. Again, we thank you for bringing this matter to our attention and hope this adequately addresses the consumers complaint.

      Customer Answer

      Date: 03/01/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *********************************

    • Initial Complaint

      Date:11/10/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      They keep calling my number and when I answer they hang up only to call back and do the same thing. I have no idea why they calling or who or what they are calling for. So if they dont have anything to say they need to stop calling. They have called everyday for 5 days and have done the same thing hung up. Either speak or take my number out of your robo dailer! I want asked again I have registered with do not call and will send a complaint to my state DNC reps.

      Business Response

      Date: 11/10/2023

      We are in receipt of the consumer complaint from ********************************. We thank you for bringing this matter to our attention. Upon a careful review of this matter, however, there does not appear to have been any error on Sherloq Financials part. According to our records, we called the complainant 5 times, but not 5 days in a row. Rather, we called 5 times over the course of approximately 51 days. In each call, we encountered an answering machine, in which case we do not leave messages. Nonetheless, we understand the complainant is requesting we cease communications. We noted the account accordingly. We hope this adequately addresses your inquiry and resolves the consumer's complaint.

    • Initial Complaint

      Date:05/08/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I attached two documents. The paid bill of ******* and the check that cleared the bank as a copy is attached. It cleared the bank in their name. I think they should investigate the error on their part. As they keep up their harassing calls to my house to collect this ***** I would like a resolution and my account cleared

      Business Response

      Date: 05/10/2023

      We are in receipt of the consumer complaint from Mr. ********** We thank you for bringing this matter to our attention. Upon receipt of the consumers complaint, Sherloq Financial reviewed the payment information provided, and the account, and determined that the payment was applied to a different account.The payment has since been applied to the appropriate account and is paid in full ($0.00 balance due). The consumer will not receive any further communication from Sherloq Financial regarding this account. We hope this adequately addresses your inquiry and resolves the consumers complaint.

       

    Merchants Association Collection Division Inc. is NOT a BBB Accredited Business.

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