What is the most common complaint against Merchants Acceptance Corp?

The most common issue consumers report about Merchants Acceptance Corp is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 67 complaints filed with the CFPB.

Are complaints against Merchants Acceptance Corp increasing or decreasing?

Complaints against Merchants Acceptance Corp are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Merchants Acceptance Corp's reputation grade?

Merchants Acceptance Corp has a reputation grade of B (score: 64.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Acceptance Corp respond to consumer complaints?

Merchants Acceptance Corp has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Merchants Acceptance Corp operate?

Merchants Acceptance Corp has received CFPB complaints from consumers in 16 states, with the most complaints from California (18 complaints).

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

Merchants Acceptance Corp - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

20
Took or threatened to take negative or legal action

18
False statements or representation

10
Communication tactics

7
Written notification about debt

6
Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-acceptance-corp Merchants Acceptance Corp

Grade B · 67 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #1025 · compose #1823

VOL 67
GRADE B
12MO 22
STATES 16
TIMELY 98%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,025
COMPOSE #1,823

Volume peers

Nearest volume peer: Armcon Corp (67 complaints)

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

Merchants Acceptance Corp's 67 CFPB complaints sit next to Armcon Corp 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 →

Filing geometry

California is the plurality state for Merchants Acceptance Corp (26.9%)

Volume rank #1,025 and composite rank #1,823 diverge by 798 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 26.9%; Mid-band (15–30%) · 16 states with ≥1 filing
Seasonal peak: 2014-09 8.3%; 8–15% band · 1 filings
Divergent corpus ranks: #1,025 volume; #1,823 composite; Cleanest-composite ladder is 798 places worse than volume

How does Merchants Acceptance Corp compare to its peers?

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

Merchants Acceptance C… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

31%

91%

Consumer-dispute ratelower is better

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-09 2022-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	20
Took or threatened to take negative or legal action	18
False statements or representation	10
Communication tactics	7
Written notification about debt	6
Cont'd attempts collect debt not owed	2
Threatened to contact someone or share information improperly	2
Electronic communications	1
Taking/threatening an illegal action	1

Where do complaints against Merchants Acceptance Corp come from?

Merchants Acceptance Corp's own per-state count, not a national baseline.

California

18
Washington

11
Florida

8
North Carolina

8
Oregon

4
Idaho

3
Arizona

2
Georgia

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants Acceptance Corp: 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: 67.

4 peers

Know your rights before responding to Merchants Acceptance Corp: 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.