CFPB · Single-product concentration
Merchants and Medical Credit Corporation, Inc.
577 CFPB complaints · 82.1% in "Debt collection" · top issue Attempts to collect debt not owed.
Merchants and Medical Credit Corporation, Inc.: 82.1% of 577 CFPB complaints sit in "Debt collection". Timely 99.1% · relief 33.4%. Allegations, not findings.
- Single-product concentration
- +1766.7% filings 2013 to 2026
CFPB relief outcome brief
CCDB company merchants-and-medical-credit-corporation-inc
33.4% relief · 99.1% timely · 577 filings · Debt collection
Same-product relief peers
Nearest relief peer: First Heritage Credit LLC (33.1% relief)
Merchants and Medical Credit Corporation, Inc. closes 33.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Merchants and Medical Credit Corporation, Inc.'s 577 filings include narrative text
45.2% 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 and Medical Credit Corporation, Inc. complaint mix by product
- Debt collection 474 82.1% – 35% relief
- Credit reporting, 53 9.2% – 23% relief
- Credit reporting 43 7.5% – 30% relief
- Student loan 4 0.7% – 0% relief
- Debt or 1 0.2% – 0% relief
- Credit reporting 1 0.2% – 100% relief
- Mortgage 1 0.2% – 0% relief
How Merchants and Medical Credit Corporation, Inc.'s 577 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 474 |
| Credit reporting, credit repair services, or other personal consumer reports | 53 |
| Credit reporting or other personal consumer reports | 43 |
| Student loan | 4 |
| Debt or credit management | 1 |
| Credit reporting | 1 |
| Mortgage | 1 |
Concentrated filing states for Merchants and Medical Credit Corporation, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- MI
- 65.2% of this company's filings
Merchants and Medical Credit Corporation, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 56
- +1766.7% vs 2013
Top States
| State | Complaints |
|---|---|
| MI | 376 |
| IL | 28 |
| GA | 23 |
| OH | 16 |
| IN | 14 |
| TX | 11 |
| FL | 11 |
| TN | 10 |
| CA | 9 |
| NC | 9 |
| VA | 9 |
| WI | 7 |
| AL | 6 |
| NY | 4 |
| AZ | 4 |
| CO | 3 |
| NV | 3 |
| SC | 3 |
| PA | 3 |
| MO | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 200 |
| Written notification about debt | 81 |
| False statements or representation | 59 |
| Incorrect information on your report | 44 |
| Took or threatened to take negative or legal action | 38 |
| Communication tactics | 36 |
| Cont'd attempts collect debt not owed | 28 |
| Improper use of your report | 26 |
| Problem with a credit reporting company's investigation into an existing problem | 20 |
| Disclosure verification of debt | 17 |
| Threatened to contact someone or share information improperly | 8 |
| Problem with a company's investigation into an existing problem | 7 |
| Improper contact or sharing of info | 4 |
| Taking/threatening an illegal action | 2 |
| Unauthorized withdrawals or charges | 1 |
| Electronic communications | 1 |
| Getting a loan | 1 |
| Incorrect information on credit report | 1 |
| Problem with fraud alerts or security freezes | 1 |
| Dealing with your lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 12 | 100% |
| 2015 | 14 | 100% |
| 2016 | 30 | 100% |
| 2017 | 39 | 100% |
| 2018 | 55 | 100% |
| 2019 | 33 | 100% |
| 2020 | 39 | 97.4% |
| 2021 | 63 | 100% |
| 2022 | 46 | 100% |
| 2023 | 35 | 100% |
| 2024 | 61 | 98.4% |
| 2025 | 91 | 98.9% |
| 2026 | 56 | 96.4% |
Source: CFPB Consumer Complaint Database
Merchants and Medical Credit Corporation, Inc. filings cluster in one product
Merchants and Medical Credit Corporation, Inc.'s 577 logged complaints stay concentrated: only 39 states show a filing. 45.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-25.
Merchants and Medical Credit Corporation, Inc. answers 99.1% of complaints inside the CFPB's tracked window and closes 66.4% with a written explanation. 33.4% 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 "Attempts to collect debt not owed."
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 and Medical Credit Corporation, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants and Medical Credit Corporation, Inc.: 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: 577.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.1%.
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 and Medical Credit Corporation, Inc. (99.1% timely; 33.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration