Total complaints
14
Filed since 2013
2026 data Public-data reference. official source
Merchants Credit Assoc. Inc SC
14 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
14 consumer complaints filed with the CFPB
This profile shows Merchants Credit Assoc. Inc SC's complaint history from CFPB public records. 14 consumers have filed complaints since 2013. The company has a 92.9% timely response rate and has provided relief in 7.1% of cases.
14
Total Complaints
92.9%
Timely Response
21.4%
Disputed
7.1%
Relief Provided
4
States Active
2013
Since
Timely response
92.9%
CFPB-tracked response window
Relief rate
7.1%
Closed with monetary or non-monetary relief
Timely response rate 92.9%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 7.1%
Industry median
Share closed with monetary or non-monetary relief.
Merchants Credit Assoc. Inc SC complaint mix by product
- Debt collection 14 100.0% – 7% relief
How Merchants Credit Assoc. Inc SC's 14 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 14 |
Top States
| State | Complaints |
|---|---|
| SC | 11 |
| NC | 1 |
| GA | 1 |
| VA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 5 |
| Communication tactics | 2 |
| Improper contact or sharing of info | 2 |
| Disclosure verification of debt | 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 | 2 | 100% |
| 2016 | 5 | 100% |
| 2017 | 1 | 100% |
| 2018 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Merchants Credit Assoc. Inc SC
Merchants Credit Assoc. Inc SC has accumulated 14 consumer complaints in the CFPB public database, with filings active across 4 U.S. states. Of those submissions, 3 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2013, and the most recent logged activity is 2018-02-21, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Merchants Credit Assoc. Inc SC reports a 92.9% timely-response rate and has closed 92.9% of cases with a written explanation to the consumer. 7.1% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 21.4% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Cont'd attempts collect debt not owed".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Merchants Credit Assoc. Inc SC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Merchants Credit Assoc. Inc SC have?
Merchants Credit Assoc. Inc SC has received 14 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Merchants Credit Assoc. Inc SC respond to complaints on time?
Merchants Credit Assoc. Inc SC has a 92.9% timely response rate to CFPB complaints.
What is the most common complaint about Merchants Credit Assoc. Inc SC?
The most common issue reported against Merchants Credit Assoc. Inc SC is "Cont'd attempts collect debt not owed" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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