Total CFPB complaints
138
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 138 complaints
Merchants Credit Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants Credit Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
27 complaints
- Disclosure verification of debt
Disclosure verification of debt
22 complaints
- False statements or representation
False statements or representation
20 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
18 complaints
- Written notification about debt
Written notification about debt
12 complaints
- Communication tactics
Communication tactics
11 complaints
D
Grade D · 58.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Merchants Credit Corporation?
Merchants Credit Corporation has accumulated 138 total CFPB complaints across 18 states, with 5 filed in the most recent 12 months against 133 historical complaints before that window. The trailing-12-month volume represents 3.6% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 22% 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 18 states, led by Washington with 97 and California with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places Merchants Credit Corporation in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
3.6% of total history
Falling ↓
States active
18
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
58.3/100 composite
Response-quality profile
How Merchants Credit Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Merchants Credit Corporation compare to its peers?
Merchants Credit Corpo… 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)
2022-06 2025-11
Top Consumer Issues
False statements or representation20 (%)
Attempts to collect debt not owed27 (%)
Disclosure verification of debt22 (%)
Written notification about debt12 (%)
Cont'd attempts collect debt not owed18 (%)
Communication tactics11 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 20 |
| Attempts to collect debt not owed | Debt is not yours | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 11 |
| Disclosure verification of debt | Right to dispute notice not received | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Communication tactics | Frequent or repeated calls | 7 |
| Communication tactics | Threatened to take legal action | 4 |
Where do complaints against Merchants Credit Corporation come from?
The states where consumers have filed the most CFPB complaints against Merchants Credit Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants Credit Corporation
Across 18 states with at least one filing
- Washington
Washington
97 complaints
- California 10
California
10 complaints
- Oregon 8
Oregon
8 complaints
- Illinois 4
Illinois
4 complaints
- Florida 3
Florida
3 complaints
- Michigan 2
Michigan
2 complaints
- Idaho 2
Idaho
2 complaints
- South Carolina 2
South Carolina
2 complaints
Frequently Asked Questions
What is the most common complaint against Merchants Credit Corporation? ▼
The most common issue consumers report about Merchants Credit Corporation is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 138 complaints filed with the CFPB.
Are complaints against Merchants Credit Corporation increasing or decreasing? ▼
Complaints against Merchants Credit Corporation are falling. The company received 5 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: 58.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (97 complaints).
What can I do if Merchants Credit Corporation 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 Corporation 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 |