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

Data updated July 2026

D

Grade D · 57.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Merchants and Medical Credit Corporation, Inc. ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 479 all-time complaints and a 100% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
479
CFPB complaints, all-time
100%
answered inside the CFPB window
78
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Merchants and Medical Credit Corporation, Inc.?

Merchants and Medical Credit Corporation, Inc. has accumulated 479 total CFPB complaints across 36 states, with 78 filed in the most recent 12 months against 401 historical complaints before that window. The trailing-12-month volume represents 16.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 36 states, led by Michigan with 313 and Illinois with 23. Normalized against the full CFPB collector database, the reputation score of 57.0/100 places Merchants and Medical Credit Corporation, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

479

mid-volume (CCDB)

Last 12 months

78

16.3% of all-time complaints

Falling ↓

States active

36

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

20%

average (vertical avg ~19%)

Reputation grade

D

57.0/100 composite

How does Merchants and Medical Credit Corporation, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 32nd percentile higher than 32% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Merchants and Medical Credit Corporation, Inc. versus the debt-collection vertical average.

Timely response within SLA 99.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 19.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 64.3%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Merchants and Medical … 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.

Complaint Trend (24 months)

2017-06 2025-12

Issue Detail Breakdown

Issue Sub-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

What to do if Merchants and Medical Credit Corporation, Inc. contacts you

A grade of D signals how Merchants and Medical Credit Corporation, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Merchants and Medical Credit Corporation, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Merchants and Medical Credit Corporation, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Merchants and Medical Credit Corporation, Inc.? ▼

The most common issue consumers report about Merchants and Medical Credit Corporation, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 479 complaints filed with the CFPB.

Are complaints against Merchants and Medical Credit Corporation, Inc. increasing or decreasing? ▼

Complaints against Merchants and Medical Credit Corporation, Inc. are falling. The company received 78 complaints in the last 12 months, showing improvement over prior periods.

What is Merchants and Medical Credit Corporation, Inc.'s reputation grade? ▼

Merchants and Medical Credit Corporation, Inc. has a reputation grade of D (score: 57.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants and Medical Credit Corporation, Inc. respond to consumer complaints? ▼

Merchants and Medical Credit Corporation, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Merchants and Medical Credit Corporation, Inc. operate? ▼

Merchants and Medical Credit Corporation, Inc. has received CFPB complaints from consumers in 36 states, with the most complaints from Michigan (313 complaints).

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

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.