What is the most common complaint against Merchants Credit Assoc. Inc SC?

The most common issue consumers report about Merchants Credit Assoc. Inc SC is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 15 complaints filed with the CFPB.

Are complaints against Merchants Credit Assoc. Inc SC increasing or decreasing?

Complaints against Merchants Credit Assoc. Inc SC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Merchants Credit Assoc. Inc SC's reputation grade?

Merchants Credit Assoc. Inc SC has a reputation grade of C (score: 61.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Credit Assoc. Inc SC respond to consumer complaints?

Merchants Credit Assoc. Inc SC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does Merchants Credit Assoc. Inc SC operate?

Merchants Credit Assoc. Inc SC has received CFPB complaints from consumers in 4 states, with the most complaints from South Carolina (12 complaints).

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

Merchants Credit Assoc. Inc SC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Compiled by PlainCollector

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

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 #2149 · compose #2125

VOL 15
GRADE C
12MO 0
STATES 4
TIMELY 93%
DISPUTE 31%
ISSUE Cont'd attempts collect de…
RANK #2,149
COMPOSE #2,125

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

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 →

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; #2,125 composite; Among 5,420 volume-ranked / 5,278 scored 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… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

69%

91%

Consumer-dispute ratelower is better

31%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

South Carolina

12
Georgia

1
North Carolina

1
Virginia

1

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.