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

CFPB complaint data Grade C 15 complaints

Merchants Credit Assoc. Inc SC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Complaints by issue type

What consumers report about Merchants Credit Assoc. Inc SC

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

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-credit-assoc-inc-sc Merchants Credit Assoc. Inc SC

Grade C · 15 CFPB filings · 93% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 15
  • GRADE C
  • 12MO 0
  • STATES 4
  • TIMELY 93%
  • DISPUTE 31%
  • ISSUE Cont'd attempts collect de…
  • RANK #2,149
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

Accounts Advocate AgencyAccounts Advocate Agency15Advanced Resolution Services Inc.Advanced Resolution Services…15American Credit AdjustersAmerican Credit Adjusters15Automated Accounts, Inc.Automated Accounts, Inc.15Merchants Credit Assoc. Inc SC (this)Merchants Credit Assoc. Inc …15
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Merchants Credit Assoc. Inc SC's 15 CFPB complaints sit next to Accounts Advocate Agency 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 15 complaints break down

Every complaint issue type on record for Merchants Credit Assoc. Inc SC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.7/100
Merchants Credit Assoc. Inc SC

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 C
15
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
31%
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

80.0% of Merchants Credit Assoc. Inc SC's CFPB filings land in South Carolina

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

Dominant state
South Carolina 80.0%
12 of 15 filings · 4 states touched
Even monthly load
Peak under 8%
Highest month 2021-02 at 7.7% (2 filings)
Corpus ranks
#2,149 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Merchants Credit Assoc. Inc SC compare to its peers?

How does Merchants Credit Assoc. Inc SC 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 Credit Assoc. Inc SC National average
Complaints (last 12 mo)lower is better
0
8
268
Timely-response ratehigher is better
93%
69%
91%
Consumer-dispute ratelower is better
31%
50%
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 Credit Assoc. Inc SC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 40%50%60%70%80%90%100% 0%20%40%60% Timely response rate (%) Dispute rate (%) Merchants Credit Assoc. Inc SC vs. 6 similar-volume peers, by response speed and dispute rate Merchants Credit Assoc. Inc SCMISSION FINANCIAL SERVICES CORPORATIONMicroBilt / PRBC (formerly CL Verify)Miguel A. Maza & Associates, PSCLake Area Collections, LLCKnight & Hooper, PLLCNeuheisel Law Firm, P.C.
Source: CFPB Consumer Complaint Database

Merchants Credit Assoc. Inc SC's complaint volume in context

Merchants Credit Assoc. Inc SC 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)

15 60th percentile higher than 60% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Merchants Credit Assoc. Inc SC 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 ↓
2014-06 2025-04

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
6
Took or threatened to take negative or legal action
2
Communication tactics
2
Disclosure verification of debt
2
Improper contact or sharing of info
2
False statements or representation
1

Where do complaints against Merchants Credit Assoc. Inc SC come from?

Merchants Credit Assoc. Inc SC's own per-state count, not a national baseline.

Top states by complaints against Merchants Credit Assoc. Inc SC

Across 4 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 Credit Assoc. Inc SC: 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: 15.

4 peers

Know your rights before responding to Merchants Credit Assoc. Inc SC: 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.