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

CFPB complaint data Grade D 143 complaints

Retail Merchants Associates - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Complaints by issue type

What consumers report about Retail Merchants Associates

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record retail-merchants-associates Retail Merchants Associates

Grade D · 143 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed

  • VOL 143
  • GRADE D
  • 12MO 31
  • STATES 6
  • TIMELY 87%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #679
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Bbva Financial Corporation (143 complaints)

Bbva Financial CorporationBbva Financial Corporation143Kings Credit ServicesKings Credit Services143Oxford Law, LLCOxford Law, LLC143Recovery One, LLCRecovery One, LLC143Retail Merchants Associates (this)Retail Merchants Associates …143
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Retail Merchants Associates's 143 CFPB complaints sit next to Bbva Financial Corporation 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 →

How the 143 complaints break down

Every complaint issue type on record for Retail Merchants Associates, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.1/100
Retail Merchants Associates

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
143
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
87%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

79.0% of Retail Merchants Associates's CFPB filings land in Louisiana

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

Dominant state
Louisiana 79.0%
113 of 143 filings · 6 states touched
Seasonal peak
2026-02 12.8%
8–15% band · 16 filings
Corpus ranks
#679 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Retail Merchants Associates compare to its peers?

How does Retail Merchants Associates compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Retail Merchants Associates National average
Complaints (last 12 mo)lower is better
31
15
268
Timely-response ratehigher is better
87%
99%
91%
Consumer-dispute ratelower is better
21%
28%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Retail Merchants Associates a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Retail Merchants Associates vs. 10 similar-volume peers, by response speed and dispute rate Retail Merchants AssociatesRecovery One, LLCOxford Law, LLCKINGS CREDIT SERVICESBBVA FINANCIAL CORPORATIONImmediate Credit RecoveryStuart-Lippman and Associates, IncPREFERRED CREDIT INCKeynote Consulting, Inc.Access Receivables of NC Inc.Everest Receivable Services Inc.
Source: CFPB Consumer Complaint Database

Retail Merchants Associates's complaint volume in context

Retail Merchants Associates vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

143 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Retail Merchants Associates 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2024-01 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
51
False statements or representation
31
Written notification about debt
22
Took or threatened to take negative or legal action
21
Cont'd attempts collect debt not owed
10
Communication tactics
4
Disclosure verification of debt
3
Threatened to contact someone or share information improperly
1

Where do complaints against Retail Merchants Associates come from?

Retail Merchants Associates's own per-state count, not a national baseline.

Top states by complaints against Retail Merchants Associates

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Retail Merchants Associates: 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: 143.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 87.12121212121212%.

4 peers

Know your rights before responding to Retail Merchants Associates: 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.