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

CFPB complaint data Grade D 139 complaints

Merchants Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants Credit Corporation

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

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 139
  • GRADE D
  • 12MO 3
  • STATES 18
  • TIMELY 96%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #687
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Nations Recovery Center (139 complaints)

Nations Recovery CenterNations Recovery Center139Overton, Russell, Doerr and Donovan, LLPOverton, Russell, Doerr and …139Universal Recovery CorporationUniversal Recovery Corporati…139Vengroff Williams, IncVengroff Williams, Inc139Merchants Credit Corporation (this)Merchants Credit Corporation…139
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 →

How the 139 complaints break down

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

Reputation score breakdown

D
Composite reputation score
54.9/100
Merchants Credit Corporation

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 F
139
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
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

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#687 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Corporation National average
Complaints (last 12 mo)lower is better
3
0
268
Timely-response ratehigher is better
96%
87%
91%
Consumer-dispute ratelower is better
22%
21%
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 Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 50%60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Merchants Credit Corporation vs. 7 similar-volume peers, by response speed and dispute rate Merchants Credit CorporationNations Recovery CenterOverton, Russell, Doerr and Donovan, LLPUniversal Recovery CorporationVengroff Williams, IncVeros Credit, LLCHEAD MERCANTILE CO., INC.Med-1 Solutions, LLC
Source: CFPB Consumer Complaint Database

Merchants Credit Corporation's complaint volume in context

Merchants Credit Corporation 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)

139 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 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 Corporation 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 ↓
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.

Top states by complaints against Merchants Credit Corporation

Across 18 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 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.