Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Credit determination — 
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NM)

I was in a 8yr relationship # My ex applied for a XXXX credit card. # XXXX. XXXX XXXX primary. He asked for a card for me : secondary account holder. I 've always made monthly the payments. My son was XXXX in XXXX, I XXXX etc.. In XXXX. XXXX was transfered from XXXX to XXXX XXXX XXXX XXXX. In XXXX we split up but I kept contact with XXXX to resolve all creditors. I reviewed all bills- saw XXXX neglected ALL bills. I was upset as my credit now tarnished due to his neglect. I called XXXX and operater/tech. Said account charge off sent to : Merchant Ile Adjustment Bureau. XXXX/XXXX/XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. I called : Employed XXXX answered. I explained to him my cituation & I wish to rectify my credit standing. *He said* amount owed {$810.00}, ( We can settle for {$460.00} AND {$80.00} payment today for 6months ) I paid {$80.00} on XXXX/XXXX/XXXX # XXXX confirmation. I also requested a recipient of proof of payment & the agreement. XXXX said it will be sent to my XXXX. In a couple of days ... waiting I called The Merchantle collection Co. Again! XXXX/XXXX/XXXX They said theyes will search & mail. On XXXX/XXXX/XXXX XXXX. I called Merchant Adjustment Bureau. I spoke with XXXX : she & I were on phone 28minutes. She could n't find my payment!! I asked her to ask Supervisor XXXX XXXX XXXX got on phone. Interrogated me. I gave her & XXXX all data, accnt # names, Ss # 's, DOB's..she gave me her Speak! I asked again to please send me proof of my payment! I PAID {$80.00} XXXX ... It 's paid w/pre-paid credit card. She yelled at me, kept covering my voice! I said : STOP I 'm A Human Stop Yelling Get a supervisor She said she 's a Team leader. I SAID PLEASE GET SUPERVISOR, I asked when XXXX would be in. XXXX SAID : XXXX XXXX XXXX ... WE GIVE OUT DIFFERENT NAMES! I SAID ; THAT 'S ILLIGAL- YOU MUST IDENTIFY YOURSELF! Yelling I Hung up! Called back 2nd person XXXX XXXX said ; account @ XXXX stop calling them I asked for my receipt- He said : He ca n't give it to me- led to his raising Voice, again covering My voice. I CALLED XXXX XXXX ( XXXX ) XXXX, got XXXX ( nice lady but she 's in Fraud Dept ) She located payment-promised to see details me a copy. Transfered me to a XXXX Collections. " XXXX '' now! Then ... .he said he can he ca n't help me! He ca n't abide BY Agreement I had. I said ; XXXX charged off account! Sent to " Merchantile Adjustment Bureau " they made agreement with me COLLECTED A {$80.00} PAYMENT-PROMISED TO MAIL AGREEMENT & RECEIPT, you XXXX Owner ofor Account is Denying Agreement issues By a contracted Collection Agency! That 's Unethical and sounds Illigal! An agreement was made a decision a payment to was made!!!!!! I 'm not Primary but my name attached and I 'm trying to pay off an account to my ex XXXX XXXX neglected! You a XXXX employee is telling Me you ca n't help! Wow. I was treated abruptly, disrespectful in a huge Inhumane manner! 
XXXX XXXX ( XXXX XXXX XXXX. 
XXXXXXXXXXXX I do n't know own what to do? My credit is Vital! My ex neglected all bills. I was never married! XXXX not community property State. I could easily avoid al, bills as XXXX XXXX but I refuse to let my credit be tarnished. I lostXXXX my XXXX child! I do n't want to loose my credit!