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

CFPB complaint data Grade D 246 complaints

Merchants and Professional Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants and Professional Bureau, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-and-professional-bureau-inc Merchants and Professional Bureau, Inc.

Grade D · 246 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #457 · compose #138

  • VOL 246
  • GRADE D
  • 12MO 1
  • STATES 19
  • TIMELY 99%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #457
  • COMPOSE #138

Volume peers

Nearest volume peer: EGL US, LLC (246 complaints)

Nationwide Credit & Collection, Inc.Nationwide Credit & Collecti…245EGL US, LLCEGL US, LLC246Merchants and Professional Bureau, Inc. (this)Merchants and Professional B…246World Omni Financial Corp.World Omni Financial Corp.247Gold KEY Credit, Inc.Gold KEY Credit, Inc.248
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Merchants and Professional Bureau, Inc.'s 246 CFPB complaints sit next to EGL US, 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 246 complaints break down

Every complaint issue type on record for Merchants and Professional Bureau, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.8/100
Merchants and Professional Bureau, 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
246
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
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

84.1% of Merchants and Professional Bureau, Inc.'s CFPB filings land in Texas

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

Dominant state
Texas 84.1%
207 of 246 filings · 19 states touched
Seasonal peak
2018-06 12.8%
8–15% band · 5 filings
Corpus ranks
#457 volume
#138 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Merchants and Professional Bureau, Inc. compare to its peers?

How does Merchants and Professional Bureau, 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 Professional Bureau, Inc. National average
Complaints (last 12 mo)lower is better
1
149
268
Timely-response ratehigher is better
99%
95%
91%
Consumer-dispute ratelower is better
20%
0%
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 Professional Bureau, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Merchants and Professional Bureau, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Merchants and Professional Bureau, Inc.Nationwide Credit & Collection, Inc.World Omni Financial Corp.SMITH, ROUCHON & ASSOCIATES, INC.GOLD KEY CREDIT, INC.Aspen National Financial, Inc.Harley Davidson Financial Services IncBliksum, LLCWilber and Associates, P.C.Medical-Commercial Audit Inc
Source: CFPB Consumer Complaint Database

Merchants and Professional Bureau, Inc.'s complaint volume in context

Merchants and Professional Bureau, 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)

246 Top 8% higher than 92% 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 Professional Bureau, 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 ↓
2018-02 2023-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
89
Written notification about debt
67
Cont'd attempts collect debt not owed
23
Disclosure verification of debt
21
Took or threatened to take negative or legal action
16
False statements or representation
15
Communication tactics
9
Threatened to contact someone or share information improperly
5
Improper contact or sharing of info
1

Where do complaints against Merchants and Professional Bureau, Inc. come from?

Merchants and Professional Bureau, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Merchants and Professional Bureau, Inc.

Across 19 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 Professional Bureau, 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: 246.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.1869918699187%.

4 peers

Know your rights before responding to Merchants and Professional Bureau, 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.