Total CFPB complaints
246
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 246 complaints
Merchants and Professional Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants and Professional Bureau, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
88 complaints
- Written notification about debt
Written notification about debt
65 complaints
- Disclosure verification of debt 19
Disclosure verification of debt
19 complaints
- Cont'd attempts collect debt not owed 13
Cont'd attempts collect debt not owed
13 complaints
- Took or threatened to take negative or legal action 13
Took or threatened to take negative or legal action
13 complaints
- False statements or representation 13
False statements or representation
13 complaints
D
Grade D · 58.1/100 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 Professional Bureau, Inc.?
Merchants and Professional Bureau, Inc. has accumulated 246 total CFPB complaints across 19 states, with 1 filed in the most recent 12 months against 245 historical complaints before that window. The trailing-12-month volume represents 0.4% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% 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 19 states, led by Texas with 207 and California with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.1/100 places Merchants and Professional Bureau, 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
1
0.4% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
D
58.1/100 composite
Response-quality profile
How Merchants and Professional Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 39.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Merchants and Professional Bureau, Inc. compare to its peers?
Merchants and Professi… 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)
2020-09 2025-10
Top Consumer Issues
Written notification about debt65 (%)
Attempts to collect debt not owed88 (%)
Disclosure verification of debt19 (%)
Cont'd attempts collect debt not owed13 (%)
Took or threatened to take negative or legal action13 (%)
False statements or representation13 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 52 |
| Attempts to collect debt not owed | Debt is not yours | 51 |
| Attempts to collect debt not owed | Debt was paid | 21 |
| Attempts to collect debt not owed | Debt was result of identity theft | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 13 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 13 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
Where do complaints against Merchants and Professional Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against Merchants and Professional Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants and Professional Bureau, Inc.
Across 19 states with at least one filing
- Texas
Texas
207 complaints
- California 7
California
7 complaints
- Florida 4
Florida
4 complaints
- Georgia 3
Georgia
3 complaints
- Michigan 3
Michigan
3 complaints
- Oklahoma 3
Oklahoma
3 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Virginia 2
Virginia
2 complaints
Frequently Asked Questions
What is the most common complaint against Merchants and Professional Bureau, Inc.? ▼
The most common issue consumers report about Merchants and Professional Bureau, Inc. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 246 complaints filed with the CFPB.
Are complaints against Merchants and Professional Bureau, Inc. increasing or decreasing? ▼
Complaints against Merchants and Professional Bureau, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Merchants and Professional Bureau, Inc.'s reputation grade? ▼
Merchants and Professional Bureau, Inc. has a reputation grade of D (score: 58.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Merchants and Professional Bureau, Inc. respond to consumer complaints? ▼
Merchants and Professional Bureau, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Merchants and Professional Bureau, Inc. operate? ▼
Merchants and Professional Bureau, Inc. has received CFPB complaints from consumers in 19 states, with the most complaints from Texas (207 complaints).
What can I do if Merchants and Professional Bureau, 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 Professional Bureau, 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 |