CFPB · Single-product concentration
Merchants Financial Guardian, Inc.
10 CFPB complaints · 100% in "Debt collection" · top issue Attempts to collect debt not owed.
Merchants Financial Guardian, Inc.: 100% of 10 CFPB complaints sit in "Debt collection". Timely 80% · relief 40%. Allegations, not findings.
- Single-product concentration
- 0% filings 2017 to 2022
CFPB relief outcome brief
CCDB company merchants-financial-guardian-inc
40% relief · 80% timely · 10 filings · Debt collection
Same-product relief peers
Nearest relief peer: SFS, Inc (40% relief)
Merchants Financial Guardian, Inc. closes 40% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Merchants Financial Guardian, Inc.'s 10 filings include narrative text
70% 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 Financial Guardian, Inc. complaint mix by product
- Debt collection 10 100.0% – 40% relief
How Merchants Financial Guardian, Inc.'s 10 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 10 |
Concentrated filing states for Merchants Financial Guardian, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 80% of this company's filings
Merchants Financial Guardian, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2022
- 2
- 0% vs 2017
Top States
| State | Complaints |
|---|---|
| CA | 8 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 7 |
| Took or threatened to take negative or legal action | 2 |
| Written notification about debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 50% |
| 2018 | 2 | 50% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Merchants Financial Guardian, Inc. filings cluster in one product
Merchants Financial Guardian, Inc.'s 10 logged complaints stay concentrated: only 2 states show a filing. 70% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2022-09-11.
Merchants Financial Guardian, Inc. answers 80% of complaints inside the CFPB's tracked window and closes 60% with a written explanation. 40% 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 Financial Guardian, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants Financial Guardian, 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: 10.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 80%.
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 Financial Guardian, Inc. (80% timely; 40% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration