CFPB · Single-product concentration
Retail Merchants Associates
186 CFPB complaints · 76.9% in "Debt collection" · top issue Attempts to collect debt not owed.
Retail Merchants Associates: 76.9% of 186 CFPB complaints sit in "Debt collection". Timely 90.3% · relief 0%. Allegations, not findings.
- Single-product concentration
- +2300% filings 2013 to 2026
CFPB relief outcome brief
CCDB company retail-merchants-associates
0% relief · 90.3% timely · 186 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Retail Merchants Associates closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Retail Merchants Associates's 186 filings include narrative text
44.1% 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.
Retail Merchants Associates complaint mix by product
- Debt collection 143 76.9% – 0% relief
- Credit reporting, 27 14.5% – 0% relief
- Credit reporting 14 7.5% – 0% relief
- Credit card 2 1.1% – 0% relief
How Retail Merchants Associates's 186 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 143 |
| Credit reporting, credit repair services, or other personal consumer reports | 27 |
| Credit reporting or other personal consumer reports | 14 |
| Credit card or prepaid card | 2 |
Concentrated filing states for Retail Merchants Associates
Top states by attributed CFPB complaint volume for this company
- Leading state
- LA
- 77.4% of this company's filings
Retail Merchants Associates rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 24
- +2300% vs 2013
Top States
| State | Complaints |
|---|---|
| LA | 144 |
| TX | 30 |
| FL | 2 |
| DE | 2 |
| CT | 1 |
| GA | 1 |
| AR | 1 |
| WA | 1 |
| AL | 1 |
| MD | 1 |
| MT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 51 |
| False statements or representation | 31 |
| Written notification about debt | 22 |
| Took or threatened to take negative or legal action | 21 |
| Improper use of your report | 19 |
| Incorrect information on your report | 15 |
| Cont'd attempts collect debt not owed | 10 |
| Communication tactics | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 4 |
| Disclosure verification of debt | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Problem with a purchase shown on your statement | 1 |
| Advertising and marketing, including promotional offers | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 4 | 25% |
| 2015 | 4 | 50% |
| 2016 | 5 | 0% |
| 2017 | 8 | 62.5% |
| 2018 | 9 | 88.9% |
| 2019 | 9 | 88.9% |
| 2020 | 18 | 94.4% |
| 2021 | 8 | 100% |
| 2022 | 26 | 100% |
| 2023 | 32 | 100% |
| 2024 | 10 | 90% |
| 2025 | 28 | 100% |
| 2026 | 24 | 100% |
Source: CFPB Consumer Complaint Database
Retail Merchants Associates filings cluster in one product
Retail Merchants Associates's 186 logged complaints stay concentrated: only 11 states show a filing. 44.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-18.
Retail Merchants Associates answers 90.3% of complaints inside the CFPB's tracked window and closes 94.6% with a written explanation. 0% 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 Retail Merchants Associates.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Retail Merchants Associates: 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: 186.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 90.3%.
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 Retail Merchants Associates (90.3% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration