What is the most common complaint against C B Merchant Services?

The most common issue consumers report about C B Merchant Services is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 22 complaints filed with the CFPB.

Are complaints against C B Merchant Services increasing or decreasing?

Complaints against C B Merchant Services are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is C B Merchant Services's reputation grade?

C B Merchant Services has a reputation grade of B (score: 62.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does C B Merchant Services respond to consumer complaints?

C B Merchant Services has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does C B Merchant Services operate?

C B Merchant Services has received CFPB complaints from consumers in 3 states, with the most complaints from California (20 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

C B Merchant Services - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

5
Cont'd attempts collect debt not owed

4
Disclosure verification of debt

4
False statements or representation

3
Written notification about debt

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record c-b-merchant-services C B Merchant Services

Grade B · 22 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed · vol #1800 · compose #2013

VOL 22
GRADE B
12MO 0
STATES 3
TIMELY 95%
DISPUTE 20%
ISSUE Attempts to collect debt n…
RANK #1,800
COMPOSE #2,013

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

C B Merchant Services's 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

90.9% of C B Merchant Services's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: California 90.9%; 20 of 22 filings · 3 states touched
Seasonal peak: 2018-12 11.1%; 8–15% band · 4 filings
Corpus ranks: #1,800 volume; #2,013 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does C B Merchant Services compare to its peers?

How does C B Merchant Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

C B Merchant Services National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

95%

91%

Consumer-dispute ratelower is better

20%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-04 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	5
Cont'd attempts collect debt not owed	4
Disclosure verification of debt	4
False statements or representation	3
Written notification about debt	2
Communication tactics	2
Took or threatened to take negative or legal action	1
Taking/threatening an illegal action	1

Where do complaints against C B Merchant Services come from?

C B Merchant Services's own per-state count, not a national baseline.

California

20
Oklahoma

1
Utah

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for C B Merchant Services: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 22.

4 peers

Know your rights before responding to C B Merchant Services: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.