CFPB · Narrative-heavy record
Merchants Acceptance Corp
133 CFPB complaints · 47.4% with narratives · top issue Incorrect information on your report.
Merchants Acceptance Corp: 47.4% of 133 filings include consumer narratives. Timely 99.2% · relief 3.8% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +1150% filings 2015 to 2026
CFPB relief outcome brief
CCDB company merchants-acceptance-corp
3.8% relief · 99.2% timely · 133 filings · Debt collection
Same-product relief peers
Nearest relief peer: Butler and Associates, PA (3.8% relief)
Merchants Acceptance Corp closes 3.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Merchants Acceptance Corp's 133 filings include narrative text
47.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Merchants Acceptance Corp complaint mix by product
- Debt collection 66 50.0% – 5% relief
- Credit reporting 39 29.5% – 3% relief
- Credit reporting, 12 9.1% – 0% relief
- Payday loan, 7 5.3% – 0% relief
- Consumer Loan 4 3.0% – 25% relief
- Payday loan, 3 2.3% – 0% relief
- Credit card 1 0.8% – 0% relief
How Merchants Acceptance Corp's 133 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 66 |
| Credit reporting or other personal consumer reports | 39 |
| Credit reporting, credit repair services, or other personal consumer reports | 12 |
| Payday loan, title loan, personal loan, or advance loan | 7 |
| Consumer Loan | 4 |
| Payday loan, title loan, or personal loan | 3 |
| Credit card | 1 |
| Credit card or prepaid card | 1 |
Where Merchants Acceptance Corp complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 18% of this company's filings
Merchants Acceptance Corp rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 25
- +1150% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 24 |
| FL | 17 |
| WA | 15 |
| NC | 14 |
| TX | 10 |
| ID | 7 |
| GA | 7 |
| OR | 6 |
| VA | 4 |
| SC | 4 |
| IN | 4 |
| WV | 3 |
| NV | 2 |
| AZ | 2 |
| NJ | 2 |
| LA | 1 |
| MO | 1 |
| KY | 1 |
| IL | 1 |
| UT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 32 |
| Attempts to collect debt not owed | 20 |
| Took or threatened to take negative or legal action | 17 |
| Improper use of your report | 11 |
| False statements or representation | 10 |
| Problem with a company's investigation into an existing problem | 9 |
| Communication tactics | 7 |
| Written notification about debt | 6 |
| Problem when making payments | 3 |
| Problems when you are unable to pay | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Electronic communications | 1 |
| Getting a line of credit | 1 |
| Getting the loan | 1 |
| Fees or interest | 1 |
| Charged fees or interest you didn't expect | 1 |
| Taking/threatening an illegal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 5 | 100% |
| 2017 | 8 | 100% |
| 2018 | 4 | 100% |
| 2019 | 8 | 100% |
| 2020 | 8 | 100% |
| 2021 | 10 | 100% |
| 2022 | 8 | 87.5% |
| 2023 | 8 | 100% |
| 2024 | 13 | 100% |
| 2025 | 34 | 100% |
| 2026 | 25 | 100% |
Source: CFPB Consumer Complaint Database
Merchants Acceptance Corp's narrative-rich complaint ledger
Merchants Acceptance Corp's 133 logged complaints stay concentrated: only 25 states show a filing. 47.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-06-15.
Merchants Acceptance Corp answers 99.2% of complaints inside the CFPB's tracked window and closes 96.2% with a written explanation. 3.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."
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 Merchants Acceptance Corp.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants Acceptance Corp: 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: 133.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.2%.
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 Merchants Acceptance Corp (99.2% timely; 3.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record