Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
I do not appreciate the CFPB closing my complaints as duplicates. If I am resubmitting a complaint it is because it was not resolved correctly and because hat the creditor is claiming is untrue. Complaint # XXXX proves my point, as this was closed and the creditors response was that I was wrong and they are right. The latest complaint shows that they provided false information in complaint XXXX. Committed violations of the FCRA by reporting me as 30 days late in XX/XX/year>. On XX/XX/year> I called in and asked why my payment was reversed. The agent tried to provide false information as fact and upon further questioning by myself I figured out that the mercury agent entered my account information wrong when he netted my hardship program payments entering incorrect account information for payment # XXXX high as paid on XX/XX/year>. I then again made a second payment on XX/XX/year> which was taken out of my account on XX/XX/year> and in complaint # XXXX I submitted proof of this and Mercury still denied any wrong doing ven when I submitted a letter from their company stating that their agents were responsible for the mistakes and NO NEGATIVE marks are to be on my credit report per them, they did not do what they said in the last complaint. I notified Mercury many times since XX/XX/year> that the whole of my account is under dispute. Mercury agents refused to file my disputes so I as forced to file with XXXX my disputes. My Mercury accounts balance, interest balance, minimum payment amounts, and reporting were under dispute from XX/XX/year> and after receiving Mercurys dispute results they prove what I said and what took XXXX complaints filed XXXX which you closed without resolving. And look what I claimed to be true is finally admitted to. From XX/XX/year> XXXX agents asked and attempted to collect XXXX every month since XX/XX/year>, my dashboard shows false information saying I am XXXX payments passed due. There were multiple violations of the FCRA and the FDCPA committed by Mercury cards. I gave them multiple chances to fix this and their agents they hire from XXXX committed FCRA Violations asking for XXXX every time I called in saying this is an attempt to collect a debt, they asked for multiple payments in prior months trying to tell me I owe for a payment from back before I entered the hardship program which was several calls and escalations where each agent committed FCRA violations and asked for inflated payment amounts. My whole account was under dispute from XXXX. No Payments were allowed to be collected or even asked for on disputed amounts and Mercury asked multiple times on recorded lines. I am requesting detailed account statements for the life of this account. By law no payments are allowed to be collected in XXXX or XXXX while under dispute, Mercury continue to ask for payment and tried to collect payment on disputed amounts violating the FCRA and the FDCPA. You also by law do not get to report me as late in XXXX, XXXX, or XXXX of XXXX, and every day my dashboard asks for amounts greater than I owe those are also violations. Mercury agents tell me to ignore my account statements that ask for XXXX when only {$40.00} or close to was due. They have been saying I am XXXX payments behind since I entered their hardship programs and the whole time tried to collect those XXXX payments which are more violations of the FCRA and the FDCPA. Their concentrix agents or whatever company the third party agents from XXXX they hire tried to collect XXXX every time I called in every time since XX/XX/year> and I want copies of all these calls. XXXX of the last times ai called in Mercury agents tried to say that I was 63 days past due. They have broken federal acts of law and I am seeing accountability. Maybe if these complaints were investigated instead of the CFPB taking what the creditor says as fact. I have provided proof that not only did Mercury not do what they said they would do in XXXX of the last XXXX complaints filed, they changed what they had reported twice previously which are FCRA violations, their actions were deliberate, negligent, and criminal. I suggest that CFPB listen to all the calls and their agents asking for payment disclosing that this was an attempt to collect a debt. Mercury is defrauding consumers and as proven in previous complaints is defrauding a government regulatory agency. I am asking for action and accountability from the CFPB. I am still disputing the validity of these account details, I want my account kept in a state of dispute until it is verified that no late payments are reported during the months I am disputing the validity of this account until the correct reporting is displayed in my credit reports in XX/XX/year>. Until my credit report reflects the correct amounts and reporting I will continue to dispute this account. I also have asked for over XXXX XXXX callbacks from Mercury agents from the United States who speak fluent XXXX and not XXXX of these have been fulfilled impeding my ability to manage my accounts. I have never been late in over XXXX years and Mercury agents are responsible for FCRA violations, trying to collect {$120.00} multiple times when that amount was never due and each ask is a violation. I was asked for payment and when I can make the payment of XXXX very time I called in as they disclosed that this was an attempt to collect a debt which makes it an official ask and a violation of the FCRA and the FDCPA. My account statements asked for the wrong amounts as well as my account dashboard displayed incorrect data and asked for {$120.00} or close to that amount every day for most if not all the days in the months of XXXX, XXXX, XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation