MetCredit USA is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is MetCredit USA?
MetCredit USA Inc. is a third-party collection agency based in New York. MetCredit has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and attempting to collect debts not owed. If MetCredit has contacted you about past due financial obligations, make sure you understand your rights before taking action.
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Is MetCredit USA a scam?
They’re legit. According to the Better Business Bureau (BBB), MetCredit USA, Inc. was founded in 1935 and incorporated in 1965. The BBB established a profile page for MetCredit in 1986, and MetCredit has been a BBB-accredited business since 2017. The BBB lists MetCredit as a collection agency and credit reporting agency.
According to its website, MetCredit “are leaders in technology and compliance, using a combination of proprietary software and highly effective Solution-Oriented Recovery™ techniques to collect fast while protecting clients’ brand reputation.” MetCredit states that its “renowned commitment to clients and respect for the individual remain unchanged.”
Who does MetCredit USA collect for?
MetCredit collects delinquent debts for many different types of businesses and industries, including consumer retail lenders, healthcare and medical service providers, delinquent tenant lease agreements for residential and commercial rental properties, estate and deceased consumer collections, and commercial business-to-business accounts.
MetCredit’s consumer retail division offers contingency-based third-party collection services with a staff of “highly trained consumer debt collection agents.” MetCredit’s medical and healthcare services division employs a “team of healthcare receivables agents… trained at ‘Solution-Oriented Recovery™’ to collect with maximum efficacy, safeguarding clients’ brand reputation and rehabilitating patient and customer relationships.” Their tenancy collections division specializes in “collecting overdue rent, tenancy lease payments, and apartment rental arrears,” as well as “tracking down absentee tenants and collecting unpaid rent.” For creditors who “are owed money by a deceased individual’s estate,” MetCredit employs “specific and highly sensitive processes…in order to recover…debts on behalf of individuals, small businesses, retail chain stores, telecommunications companies, and major financial institutions.” Finally, MetCredit’s commercial division focuses on collecting overdue accounts owed by businesses.
MetCredit cites affiliation with several professional associations, including the International Association of Credit and Collection Professionals (ACA International) and the Organization of Medical-Dental-Hospital Business Associates (MDHBA). Their Frequently Asked Questions page provides some proprietary information for consumers and potential clients. However, their website does not provide any detailed information about their regulatory compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
How many Complaints are there against MetCredit USA?
As of January 2020, the BBB has closed 2 complaints against MetCredit USA Inc in the preceding three years, neither of them in the previous 12 months. Both of those complaints cite problems with billing and collections. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint data regarding MetCredit. Justia lists at least 1 case of civil litigation involving MetCredit.
MetCredit USA, Inc. 117 W 4th St. PO Box 1132 Jamestown, New York 14701-1132 Telephone: (716) 664-4490
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
Can MetCredit USA Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely MetCredit would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Can you help me file a No Fee Lawsuit against MetCredit USA?
Complaints against MetCredit USA Inc cite problems resulting from disputes about the validity of debts and the accuracy of information reported to credit reporting agencies. In February 2019, a complainant stated that she had contacted MetCredit about six months earlier by letter and “advised them that the debt they were seeking to collect was paid in full.” According to the complainant, she had “provided forms and dates of payment,” but MetCredit allegedly “refused to acknowledge her letter.” The complainant stated that about a month later, she sent a second letter “via certified mail with return receipt requested, with the same information.” MetCredit responded by letter by “saying that they checked with their client and would send verification of the debt.” However, as of the date of the complaint, the complainant had still “not received any verification of the debt.” Regardless, she claimed that MetCredit had “continued to repeatedly call her house, sometimes up to four times a day, harassing her for a paid debt.” In addition, MetCredit has continuously “listed this debt on her credit report since 2016, even after the debt was paid in full.” As a result, the complainant is “suffering from adverse credit issues.” She said she had “copies of the checks that had been cashed, showing this debt was paid” in September 2016.
In response, MetCredit stated that they had “received a letter from the consumer stating she had paid their client in full on this account.” The MetCredit representative stated that he had “checked with their client,” who informed them “that there was still an open balance on this account.” MetCredit “informed the consumer…and requested an itemized statement from their client, which MetCredit had not received …but had requested again. Upon receiving the complaint above, MetCredit again checked with their client, …who again informed MetCredit that there was still an open balance on this account of $25.00.” MetCredit stated the account had been marked “cease and desist,” so they claimed that the complainant’s accusation of harassing phone calls was untrue. MetCredit concluded their response by stating that “as a courtesy, the original creditor asked MetCredit to remove this account from the complainant’s credit file, but insisted that the balance of $25.00 still remains.”
MetCredit USA Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue MetCredit for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete MetCredit USA from My Credit Report?
We ought to be able to assist. Give us a call and tell us what is happening.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.