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

CFPB complaint data Grade D 10 complaints

Merchants Financial Guardian, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants Financial Guardian, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.9/100 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 Financial Guardian, Inc. ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 10 all-time complaints and a 80% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
10
CFPB complaints, all-time
80%
answered inside the CFPB window
0
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 Financial Guardian, Inc.?

Merchants Financial Guardian, Inc. has accumulated 10 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Debt is not yours". The company posts a 80% timely-response rate.

Complaints have been recorded across 2 states, led by California with 8 and Texas with 1. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Merchants Financial Guardian, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

10

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

80%

acceptable band

Reputation grade

D

58.9/100 composite

How does Merchants Financial Guardian, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

59 39th percentile higher than 39% 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 Financial Guardian, Inc. versus the debt-collection vertical average.

Timely response within SLA 80.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 3.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Merchants Financial Gu… National average
Complaints (last 12 mo)lower is better
0
1
268
Timely-response ratehigher is better
80%
90%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-02 2021-11

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Merchants Financial Guardian, Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Merchants Financial Guardian, Inc. contacts you

A grade of D signals how Merchants Financial Guardian, Inc.'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 Financial Guardian, Inc. 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 Financial Guardian, Inc. 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 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: 58.9/100), 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).

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.