What is the most common complaint against Merchants Credit Corporation?

The most common issue consumers report about Merchants Credit Corporation is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 139 complaints filed with the CFPB.

Are complaints against Merchants Credit Corporation increasing or decreasing?

Complaints against Merchants Credit Corporation are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Merchants Credit Corporation's reputation grade?

Merchants Credit Corporation has a reputation grade of D (score: 54.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Credit Corporation respond to consumer complaints?

Merchants Credit Corporation has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Merchants Credit Corporation operate?

Merchants Credit Corporation has received CFPB complaints from consumers in 18 states, with the most complaints from Washington (98 complaints).

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

Merchants Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

30
Disclosure verification of debt

24
False statements or representation

23
Cont'd attempts collect debt not owed

23
Written notification about debt

15
Communication tactics

15

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-credit-corporation Merchants Credit Corporation

Grade D · 139 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #687 · compose #3357

VOL 139
GRADE D
12MO 3
STATES 18
TIMELY 96%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #687
COMPOSE #3,357

Volume peers

Nearest volume peer: Nations Recovery Center (139 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Merchants Credit Corporation's 139 CFPB complaints sit next to Nations Recovery Center 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

70.5% of Merchants Credit Corporation's CFPB filings land in Washington

High volume does not equal a clean composite: Merchants Credit Corporation is volume #687 but composite #3,357, while Washington dominates the geography. Corpus placement method.

Dominant state: Washington 70.5%; 98 of 139 filings · 18 states touched
Seasonal peak: 2025-09 11.5%; 8–15% band · 7 filings
Divergent corpus ranks: #687 volume; #3,357 composite; Cleanest-composite ladder is 2,670 places worse than volume

How does Merchants Credit Corporation compare to its peers?

How does Merchants Credit Corporation 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 Corpo… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

87%

91%

Consumer-dispute ratelower is better

22%

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	30
Disclosure verification of debt	24
False statements or representation	23
Cont'd attempts collect debt not owed	23
Written notification about debt	15
Communication tactics	15
Took or threatened to take negative or legal action	3
Taking/threatening an illegal action	3
Improper contact or sharing of info	2
Threatened to contact someone or share information improperly	1

Where do complaints against Merchants Credit Corporation come from?

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

Washington

98
California

10
Oregon

8
Illinois

4
Florida

3
Idaho

2
Michigan

2
South Carolina

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants Credit Corporation: 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: 139.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.37681159420289%.

4 peers

Know your rights before responding to Merchants Credit Corporation: 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.