CFPB · Single-product concentration
Merchants Credit Assoc. Inc SC
15 CFPB complaints · 100% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
Merchants Credit Assoc. Inc SC: 100% of 15 CFPB complaints sit in "Debt collection". Timely 93.3% · relief 6.7%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2018
CFPB relief outcome brief
CCDB company merchants-credit-assoc-inc-sc
6.7% relief · 93.3% timely · 15 filings · Debt collection
Same-product relief peers
Nearest relief peer: Paramount Capital Group, Inc. (6.7% relief)
Merchants Credit Assoc. Inc SC closes 6.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 15 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.
Merchants Credit Assoc. Inc SC complaint mix by product
- Debt collection 15 100.0% – 7% relief
How Merchants Credit Assoc. Inc SC's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 15 |
Concentrated filing states for Merchants Credit Assoc. Inc SC
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 80% of this company's filings
Merchants Credit Assoc. Inc SC complaints by year
Annual filing volume from the CFPB public database
- 2018
- 1
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| SC | 12 |
| NC | 1 |
| VA | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 6 |
| Disclosure verification of debt | 2 |
| Improper contact or sharing of info | 2 |
| Communication tactics | 2 |
| Took or threatened to take negative or legal action | 2 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 4 | 75% |
| 2015 | 3 | 100% |
| 2016 | 5 | 100% |
| 2017 | 1 | 100% |
| 2018 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Merchants Credit Assoc. Inc SC filings cluster in one product
Merchants Credit Assoc. Inc SC's 15 logged complaints stay concentrated: only 4 states show a filing. Only 26.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2018-02-21.
Merchants Credit Assoc. Inc SC answers 93.3% of complaints inside the CFPB's tracked window and closes 93.3% with a written explanation. 6.7% 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 "Cont'd attempts 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 Credit Assoc. Inc SC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants Credit Assoc. Inc SC: 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: 15.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.3%.
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 Merchants Credit Assoc. Inc SC (93.3% timely; 6.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration