Merchants Credit Corporation
154 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Merchants Credit Corporation complaint mix by product
- Debt collection 139 90.3% – 1% relief
- Credit reporting, 13 8.4% – 8% relief
- Credit reporting 2 1.3% – 0% relief
How Merchants Credit Corporation's 154 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 139 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Credit reporting or other personal consumer reports | 2 |
Top States
| State | Complaints |
|---|---|
| WA | 110 |
| CA | 10 |
| OR | 8 |
| FL | 4 |
| IL | 4 |
| MI | 3 |
| SC | 2 |
| ID | 2 |
| IN | 1 |
| AZ | 1 |
| NC | 1 |
| IA | 1 |
| AK | 1 |
| GA | 1 |
| VA | 1 |
| NY | 1 |
| NV | 1 |
| LA | 1 |
| AL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 30 |
| Disclosure verification of debt | 24 |
| False statements or representation | 23 |
| Cont'd attempts collect debt not owed | 23 |
| Written notification about debt | 15 |
| Communication tactics | 15 |
| Incorrect information on your report | 13 |
| Took or threatened to take negative or legal action | 3 |
| Taking/threatening an illegal action | 3 |
| Improper contact or sharing of info | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 100% |
| 2014 | 23 | 100% |
| 2015 | 14 | 100% |
| 2016 | 21 | 100% |
| 2017 | 12 | 100% |
| 2018 | 3 | 100% |
| 2019 | 10 | 100% |
| 2020 | 13 | 100% |
| 2021 | 8 | 100% |
| 2022 | 12 | 91.7% |
| 2023 | 15 | 73.3% |
| 2024 | 9 | 100% |
| 2025 | 9 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Merchants Credit Corporation
Merchants Credit Corporation's 154 logged complaints stay concentrated: only 19 states show a filing on record. 40.3% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-04-07.
Merchants Credit Corporation answers 96.8% of complaints inside the CFPB's tracked window and closes 98.1% with a written explanation. 1.9% 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 Credit Corporation.
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 Corporation have?
154, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Merchants Credit Corporation respond to complaints on time?
96.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Merchants Credit Corporation?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.