What is the most common complaint against Merchants Credit LLC?

The most common issue consumers report about Merchants Credit LLC is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 10 complaints filed with the CFPB.

Are complaints against Merchants Credit LLC increasing or decreasing?

Complaints against Merchants Credit LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Merchants Credit LLC's reputation grade?

Merchants Credit LLC has a reputation grade of C (score: 58.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Credit LLC respond to consumer complaints?

Merchants Credit LLC has a 90% timely response rate to CFPB complaints.

In how many states does Merchants Credit LLC operate?

Merchants Credit LLC has received CFPB complaints from consumers in 3 states, with the most complaints from Illinois (6 complaints).

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

Merchants Credit LLC - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

3
False statements or representation

3
Written notification about debt

2
Took or threatened to take negative or legal action

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-credit-llc Merchants Credit LLC

Grade C · 10 CFPB filings · 90% timely · lead issue: Attempts to collect debt not owed · vol #2514 · compose #2649

VOL 10
GRADE C
12MO 1
STATES 3
TIMELY 90%
ISSUE Attempts to collect debt n…
RANK #2,514
COMPOSE #2,649

Volume peers

Nearest volume peer: 208 Capital Holdings LLC (10 complaints)

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

Merchants Credit LLC's 10 CFPB complaints sit next to 208 Capital Holdings LLC 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

60.0% of Merchants Credit LLC's CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Illinois 60.0%; 6 of 10 filings · 3 states touched
Spike month: 2017-03 16.7%; 5 filings that month · spiky (≥15% of series)
Corpus ranks: #2,514 volume; #2,649 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Merchants Credit LLC compare to its peers?

How does Merchants Credit LLC 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 LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

90%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-04 2019-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
False statements or representation	3
Written notification about debt	2
Took or threatened to take negative or legal action	1
Communication tactics	1

Where do complaints against Merchants Credit LLC come from?

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

Illinois

6
California

2
Florida

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants Credit LLC: 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: 10.

4 peers

Know your rights before responding to Merchants Credit LLC: 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.