What is the most common complaint against Merchants Financial Guardian, Inc.?

The most common issue consumers report about Merchants Financial Guardian, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 10 complaints filed with the CFPB.

Are complaints against Merchants Financial Guardian, Inc. increasing or decreasing?

Complaints against Merchants Financial Guardian, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Merchants Financial Guardian, Inc.'s reputation grade?

Merchants Financial Guardian, Inc. has a reputation grade of D (score: 54.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Financial Guardian, Inc. respond to consumer complaints?

Merchants Financial Guardian, Inc. has a 80% timely response rate to CFPB complaints.

In how many states does Merchants Financial Guardian, Inc. operate?

Merchants Financial Guardian, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from California (8 complaints).

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

Merchants Financial Guardian, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Took or threatened to take negative or legal action

2
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-financial-guardian-inc Merchants Financial Guardian, Inc.

Grade D · 10 CFPB filings · 80% timely · lead issue: Attempts to collect debt not owed · vol #2515 · compose #3417

VOL 10
GRADE D
12MO 0
STATES 2
TIMELY 80%
ISSUE Attempts to collect debt n…
RANK #2,515
COMPOSE #3,417

Volume peers

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

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

Merchants Financial Guardian, Inc.'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

80.0% of Merchants Financial Guardian, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Merchants Financial Guardian, Inc. is volume #2,515 but composite #3,417, while California dominates the geography. Corpus placement method.

Dominant state: California 80.0%; 8 of 10 filings · 2 states touched
Seasonal peak: 2016-03 9.1%; 8–15% band · 2 filings
Divergent corpus ranks: #2,515 volume; #3,417 composite; Cleanest-composite ladder is 902 places worse than volume

How does Merchants Financial Guardian, Inc. compare to its peers?

How does Merchants Financial Guardian, Inc. 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 Financial Gu… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

80%

90%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2021-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Took or threatened to take negative or legal action	2
Written notification about debt	1

Where do complaints against Merchants Financial Guardian, Inc. come from?

Merchants Financial Guardian, Inc.'s own per-state count, not a national baseline.

California

8
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Merchants Financial Guardian, Inc.: 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 Financial Guardian, Inc.: 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.