Consumer complaint received 2025-08-12 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:
Mercury cards by XXXX XXXX  and XXXX continues to break/violate the FCRA. I have twice submitted proof that payment was made on XX/XX/XXXX and taken from my account on XX/XX/XXXX. Mercury agents netted me int a hardship program and agents keep telling me I am responsible for some mystery payment. They have XXXX times tried to collect XXXX payments in XXXX month violating the FDCPA. I hold a letter from them stating that these events were their fault caused by their agents clerical error. Their error cost me XXXX XXXX points and has cost me hours and hours of time having to file dispute after dispute with Mercury cards providing false information as fact. Even after they admit in writing that they are wrong they still reported me as 30 days past due in XX/XX/XXXX. I have given your company many chains to fix this and your agents fight and argue with me every step of the way when I already have documentation from your company admitting guilt. Asking for more than one payment is a violation of the FDCPA and on XX/XX/XXXX and on XXXX previous instances Mercury agents have tried to say that I am responsible for some mystery payment, my dashboard says ai am XXXX payments behind and {$40.00} is my monthly payment and they are asking everyday for {$120.00} plus dollars as payment to bring my account current when I currently owe {$40.00} for XXXX and thats not over 30 days late like they already reported at my last dispute. Their records show the payment they received on XX/XX/XXXX yet at the last dispute they were reporting me as over 30 days late in XXXX and XX/XX/XXXX and the dispute results submitted by them are still false were they corrected the reporting of the XXXX payment as late but not XX/XX/XXXX. When I submit a screenshot of my bank statement showing they got their payment why are they still allowed to report false data with no repercussions? There is a {$1000.00} fine for each violation and their asking me for {$120.00} every day this month is over XXXX violations this month alone. Hen there is the months of false reporting FCRA violations which also have a {$1000.00} fine. I called in again on XX/XX/XXXX as their dashboard for my account was asking for {$120.00} which is XXXX months worth of payments and multiple violations of the FCRA. I only currently owe XXXX payments and neither payment is over 30 days late as they are illegally reporting. I hold and have attached a letter from this company that says no negative marks are to be on my credit, they are intentionally providing false information to a government regulatory agency which cant be a legal action is it? I have disputed the full amounts of interest and balance and minimum payments being asked for due to incorrect data reporting effecting negatively my account status. XXXX and XX/XX/XXXX this account is supposed to be under dispute and under investigation and no payments are by law to be asked for or collected and Mercury cards has done both. I am having to make a minimum payment to keep them from more false reporting of late or missed payments. XX/XX/XXXX the agent tried to tell me that my XXXX payment was returned for NSF which is untrue and proof of the payment being taken out of my account in the amount of {$40.00} on XX/XX/XXXX has been attached via screenshot. Every day of the month my dashboard asks for a payment amount greater than whats owed and I want accountability for these FCRA and FDCPA violations. Mercury agents have also tried to say that I owe a payment to make up from before I entered the hardship program which is more false information and lies us3d to try and collect more money than legally allowed to. At the last dispute they were reporting me as over 30 days late in XXXX and XX/XX/XXXX, they corrected the XXXX payment but left the XXXX when it hadnt even been over 30 days yet, equaling false negative reporting on XXXX occasions and XXXX still remains for XXXX violations of the FCRA. This is an ongoing issue and XXXX agent tells me to ignore my dashboard where they ask every day for a XXXX payment violating the FCRA daily. This is my last attempt to resolve these issues with the C.F.P.B. I want the reporting corrected to what the letter from Mercury stated, no negative reporting as your letter from the C.F.P.B. complaint said. I want these issues corrected before the next reporting period as the company said they fixed the reporting but they have not done what they said they would do.

Company response to consumer: Closed with explanation