CFPB · Mid-pack CFPB posture
First Merchants Corporation
149 CFPB complaints · 11 states · top issue Managing an account.
First Merchants Corporation has 149 consumer complaints in the CFPB public database. Timely response is 99.3%; 10.1% closed with relief; top product Checking or savings account. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +130% filings 2020 to 2026
CFPB relief outcome brief
CCDB company first-merchants-corporation
10.1% relief · 99.3% timely · 149 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Golden 1 Credit Union, the (10.2% relief)
First Merchants Corporation closes 10.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 149 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Merchants Corporation complaint mix by product
- Checking or 100 67.6% – 10% relief
- Mortgage 27 18.2% – 15% relief
- Money transfer, 5 3.4% – 0% relief
- Credit reporting 5 3.4% – 0% relief
- Debt collection 4 2.7% – 25% relief
- Credit reporting, 4 2.7% – 0% relief
- Vehicle loan 3 2.0% – 0% relief
How First Merchants Corporation's 149 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 100 |
| Mortgage | 27 |
| Money transfer, virtual currency, or money service | 5 |
| Credit reporting or other personal consumer reports | 5 |
| Debt collection | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Vehicle loan or lease | 3 |
| Credit card or prepaid card | 1 |
Where First Merchants Corporation complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- IN
- 36.2% of this company's filings
First Merchants Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 23
- +130% vs 2020
Top States
| State | Complaints |
|---|---|
| IN | 54 |
| MI | 42 |
| IL | 22 |
| OH | 16 |
| AR | 3 |
| MN | 2 |
| FL | 2 |
| AZ | 2 |
| CA | 1 |
| NJ | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 47 |
| Problem caused by your funds being low | 21 |
| Closing an account | 20 |
| Trouble during payment process | 18 |
| Incorrect information on your report | 8 |
| Opening an account | 6 |
| Improper use of your report | 5 |
| Problem with a lender or other company charging your account | 4 |
| Closing on a mortgage | 3 |
| Struggling to pay mortgage | 3 |
| Problem with customer service | 3 |
| Repossession | 2 |
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Attempts to collect debt not owed | 2 |
| Took or threatened to take negative or legal action | 2 |
| Wrong amount charged or received | 1 |
| Other features, terms, or problems | 1 |
| Fraud or scam | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 10 | 100% |
| 2021 | 16 | 100% |
| 2022 | 22 | 100% |
| 2023 | 24 | 100% |
| 2024 | 21 | 95.2% |
| 2025 | 33 | 100% |
| 2026 | 23 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about First Merchants Corporation
First Merchants Corporation's 149 logged complaints stay concentrated: only 11 states show a filing. Only 38.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2020 through 2026-06-15.
First Merchants Corporation answers 99.3% of complaints inside the CFPB's tracked window and closes 89.3% with a written explanation. 10.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about First Merchants Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Merchants Corporation: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 149.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.3%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for First Merchants Corporation (99.3% timely; 10.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture