Total CFPB complaints
452
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 452 complaints
Merchants and Medical Credit Corporation, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants and Medical Credit Corporation, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
186 complaints
- Written notification about debt
Written notification about debt
76 complaints
- False statements or representation 50
False statements or representation
50 complaints
- Took or threatened to take negative or legal action 28
Took or threatened to take negative or legal action
28 complaints
- Cont'd attempts collect debt not owed 26
Cont'd attempts collect debt not owed
26 complaints
- Communication tactics 16
Communication tactics
16 complaints
D
Grade D · 57.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Merchants and Medical Credit Corporation, Inc.?
Merchants and Medical Credit Corporation, Inc. has accumulated 452 total CFPB complaints across 35 states, with 72 filed in the most recent 12 months against 380 historical complaints before that window. The trailing-12-month volume represents 15.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 35 states, led by Michigan with 293 and Illinois with 23, which matches a multi-state collection footprint rather than a regional operation. 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, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
72
15.9% of total history
Rising ↑
States active
35
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
57.0/100 composite
Response-quality profile
How Merchants and Medical Credit Corporation, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 39.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 62.5%
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?
Merchants and Medical … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed186 (%)
False statements or representation50 (%)
Written notification about debt76 (%)
Took or threatened to take negative or legal action28 (%)
Communication tactics16 (%)
Cont'd attempts collect debt not owed26 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 118 |
| False statements or representation | Attempted to collect wrong amount | 50 |
| Attempts to collect debt not owed | Debt was result of identity theft | 48 |
| Written notification about debt | Didn't receive enough information to verify debt | 44 |
| Written notification about debt | Didn't receive notice of right to dispute | 32 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 28 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Communication tactics | Frequent or repeated calls | 16 |
| Cont'd attempts collect debt not owed | Debt is not mine | 14 |
| Cont'd attempts collect debt not owed | Debt was paid | 12 |
Where do complaints against Merchants and Medical Credit Corporation, Inc. come from?
The states where consumers have filed the most CFPB complaints against Merchants and Medical Credit Corporation, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants and Medical Credit Corporation, Inc.
Across 35 states with at least one filing
- Michigan
Michigan
293 complaints
- Illinois 23
Illinois
23 complaints
- Ohio 13
Ohio
13 complaints
- Georgia 12
Georgia
12 complaints
- Indiana 12
Indiana
12 complaints
- North Carolina 9
North Carolina
9 complaints
- Tennessee 8
Tennessee
8 complaints
- Florida 8
Florida
8 complaints
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 452 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 rising. The company received 72 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 35 states, with the most complaints from Michigan (293 complaints).
What can I do if Merchants and Medical Credit Corporation, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Merchants and Medical Credit Corporation, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |