Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Merchants Acceptance Corp
State: UT

Complaint narrative:
Starting XX/XX/XXXX, I entered into an agreement with Merchants Acceptance Corporation to modify the terms of my loan to pay bi weekly instead of monthly. The option was offered to me by an associate over the phone. 

The funds have debited my account as agreed upon ever since the date mentioned above. I keep receiving notices from them stating my loan is past due and charged a {$30.00} late and the total amount due of XXXX immediately. I called the number from the notice and they stated to disregard the notice, but could not give me an answer as to why I keep receiving these notices. 

Here is my Transaction History from the company : XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX  XXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX MERCHANTS ACCEPTAN XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$39.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation