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

CFPB complaint data Grade D 479 complaints

Merchants and Medical Credit Corporation, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 36 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants and Medical Credit Corporation, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-and-medical-credit-corporation-inc Merchants and Medical Credit Corporation, Inc.

Grade D · 479 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #281 · compose #217

  • VOL 479
  • GRADE D
  • 12MO 78
  • STATES 36
  • TIMELY 100%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #281
  • COMPOSE #217

Volume peers

Nearest volume peer: ATG Credit, LLC (478 complaints)

Klarna ABKlarna AB475Shepherd Outsourcing, LLCShepherd Outsourcing, LLC475Pentagon Federal Credit UnionPentagon Federal Credit Union476ATG Credit, LLCATG Credit, LLC478Merchants and Medical Credit Corporation, Inc. (this)Merchants and Medical Credit…479
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Merchants and Medical Credit Corporation, Inc.'s 479 CFPB complaints sit next to ATG Credit, LLC 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 →

How the 479 complaints break down

Every complaint issue type on record for Merchants and Medical Credit Corporation, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.7/100
Merchants and Medical Credit Corporation, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
479
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

65.3% of Merchants and Medical Credit Corporation, Inc.'s CFPB filings land in Michigan

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

Dominant state
Michigan 65.3%
313 of 479 filings · 36 states touched
Even monthly load
Peak under 8%
Highest month 2018-07 at 7.1% (2 filings)
Corpus ranks
#281 volume
#217 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Merchants and Medical Credit Corporation, Inc. compare to its peers?

How does Merchants and Medical Credit Corporation, Inc. 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 and Medical Credit Corporation, Inc. National average
Complaints (last 12 mo)lower is better
78
42
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
20%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Merchants and Medical Credit Corporation, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) Merchants and Medical Credit Corporation, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Merchants and Medical Credit Corporation, Inc.ATG Credit, LLCPENTAGON FEDERAL CREDIT UNIONHillcrest Davidson & AssociatesDuncan Solutions, lnc.SIMM Associates, Inc.ARS National Services, Inc.Financial Business and Consumer Solutions.
Source: CFPB Consumer Complaint Database

Merchants and Medical Credit Corporation, Inc.'s complaint volume in context

Merchants and Medical Credit Corporation, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

479 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Merchants and Medical Credit Corporation, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2017-06 2025-12

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
201
Written notification about debt
82
False statements or representation
61
Took or threatened to take negative or legal action
39
Communication tactics
36
Cont'd attempts collect debt not owed
28
Disclosure verification of debt
17
Threatened to contact someone or share information improperly
8
Improper contact or sharing of info
4
Taking/threatening an illegal action
2

Where do complaints against Merchants and Medical Credit Corporation, Inc. come from?

Merchants and Medical Credit Corporation, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Merchants and Medical Credit Corporation, Inc.

Across 36 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants and Medical Credit Corporation, Inc.: 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: 479.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.5575221238938%.

4 peers

Know your rights before responding to Merchants and Medical Credit Corporation, Inc.: 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.