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

CFPB complaint data Grade D 78 complaints

Merchants Credit Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants Credit Bureau, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Merchants Credit Bureau, Inc. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 78 all-time complaints and a 75% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
78
CFPB complaints, all-time
75%
answered inside the CFPB window
18
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Merchants Credit Bureau, Inc.?

Merchants Credit Bureau, Inc. has accumulated 78 total CFPB complaints across 16 states, with 18 filed in the most recent 12 months against 60 historical complaints before that window. The trailing-12-month volume represents 23.1% 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 "Attempts to collect debt not owed", narrowing to "Didn't receive enough information to verify debt". The company posts a 75% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Georgia with 46 and South Carolina with 12. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Merchants Credit Bureau, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

78

low-volume (CCDB)

Last 12 months

18

23.1% of all-time complaints

Stable →

States active

16

regional footprint

Timely response rate

75%

acceptable band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

D

56.3/100 composite

How does Merchants Credit Bureau, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Merchants Credit Bureau, Inc. versus the debt-collection vertical average.

Timely response within SLA 75.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 28.6%

Share of US states + territories with at least one filed complaint against this collector.

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

How does Merchants Credit Bureau, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Merchants Credit Burea… National average
Complaints (last 12 mo)lower is better
18
19
268
Timely-response ratehigher is better
75%
99%
91%
Consumer-dispute ratelower is better
9%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-03 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 27
Written notification about debt - 20
False statements or representation - 13
Took or threatened to take negative or legal action - 8
Cont'd attempts collect debt not owed - 5
Communication tactics - 3
Disclosure verification of debt - 1
Threatened to contact someone or share information improperly - 1

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

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

Top states by complaints against Merchants Credit Bureau, Inc.

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Merchants Credit Bureau, Inc. contacts you

A grade of D signals how Merchants Credit Bureau, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Merchants Credit Bureau, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Merchants Credit Bureau, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Merchants Credit Bureau, Inc.? ▼

The most common issue consumers report about Merchants Credit Bureau, Inc. is "Attempts to collect debt not owed", specifically "Didn't receive enough information to verify debt". This is based on 78 complaints filed with the CFPB.

Are complaints against Merchants Credit Bureau, Inc. increasing or decreasing? ▼

Complaints against Merchants Credit Bureau, Inc. have been stable. The company received 18 complaints in the last 12 months.

What is Merchants Credit Bureau, Inc.'s reputation grade? ▼

Merchants Credit Bureau, Inc. has a reputation grade of D (score: 56.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Credit Bureau, Inc. respond to consumer complaints? ▼

Merchants Credit Bureau, Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does Merchants Credit Bureau, Inc. operate? ▼

Merchants Credit Bureau, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Georgia (46 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.