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

Data updated July 2026

D

Grade D · 58.3/100 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 Corporation ranks ahead of 36% of the 5,283 collectors PlainCollector grades - 64% keep a cleaner CFPB record, on 139 all-time complaints and a 96% timely-response rate.

36th pct
reputation rank of 5,283 graded collectors
139
CFPB complaints, all-time
96%
answered inside the CFPB window
3
in the last 12 months (falling)

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 Corporation?

Merchants Credit Corporation has accumulated 139 total CFPB complaints across 18 states, with 3 filed in the most recent 12 months against 136 historical complaints before that window. The trailing-12-month volume represents 2.2% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 96% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 18 states, led by Washington with 98 and California with 10. Normalized against the full CFPB collector database, the reputation score of 58.3/100 places Merchants Credit Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

139

mid-volume (CCDB)

Last 12 months

3

2.2% of all-time complaints

Falling ↓

States active

18

regional footprint

Timely response rate

96%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

58.3/100 composite

How does Merchants Credit Corporation's reputation rank nationally?

Reputation score vs. every graded collector

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

58 36th percentile higher than 36% 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 Corporation versus the debt-collection vertical average.

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) 21.7%
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?

How does Merchants Credit Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Merchants Credit Corpo… 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.

Complaint Trend (24 months)

2023-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Merchants Credit Corporation contacts you

A grade of D signals how Merchants Credit Corporation'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 Corporation 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 Corporation 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 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: 58.3/100), 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).

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.