Total CFPB complaints
15
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 15 complaints
Merchants Credit Assoc. Inc SC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants Credit Assoc. Inc SC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
B
Grade B · 65.9/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Merchants Credit Assoc. Inc SC?
Merchants Credit Assoc. Inc SC has accumulated 15 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 31% 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 4 states, led by South Carolina with 12 and North Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.9/100 places Merchants Credit Assoc. Inc SC in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
31%
After company response
Reputation grade
B
65.9/100 composite
Response-quality profile
How Merchants Credit Assoc. Inc SC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 61.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Merchants Credit Assoc. Inc SC compare to its peers?
Merchants Credit Assoc… 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)
2013-07 2018-02
Top Consumer Issues
Cont'd attempts collect debt not owed6 (%)
Improper contact or sharing of info2 (%)
Disclosure verification of debt2 (%)
Communication tactics2 (%)
Took or threatened to take negative or legal action2 (%)
False statements or representation1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
Where do complaints against Merchants Credit Assoc. Inc SC come from?
The states where consumers have filed the most CFPB complaints against Merchants Credit Assoc. Inc SC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants Credit Assoc. Inc SC
Across 4 states with at least one filing
- South Carolina
South Carolina
12 complaints
- North Carolina 1
North Carolina
1 complaints
- Georgia 1
Georgia
1 complaints
- Virginia 1
Virginia
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Merchants Credit Assoc. Inc SC's reputation grade? ▼
Merchants Credit Assoc. Inc SC has a reputation grade of B (score: 65.9/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if Merchants Credit Assoc. Inc SC 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 Credit Assoc. Inc SC 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 |