Merchants Acceptance Corp
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
CFPB collection forwarding receipt
Forwarded record DC-MERCHANTS-ACCEPTAN Merchants Acceptance Corp
62 DC complaints · rank #655/656 · 99.2% timely
- DC 62
- RANK #655/656
- TIMELY 99.2%
- RELIEF 3.3%
- DISPUTE 11.1%
- STATES 24
- ISSUE Incorrect information on yo…
- RESP Closed with explanation
- PHOTO National Credit Services, I…
Volume peers
Photo peer: National Credit Services, Inc. (62)
Merchants Acceptance Corp's 62 debt-collection complaints sit next to National Credit Services, Inc. (62) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Merchants Acceptance Corp →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 2 |
| 2016 | 5 |
| 2017 | 8 |
| 2018 | 4 |
| 2019 | 8 |
| 2020 | 8 |
| 2021 | 10 |
| 2022 | 8 |
| 2023 | 8 |
| 2024 | 13 |
| 2025 | 34 |
| 2026 | 14 |
Complaints by State (Top 15)
What the CFPB Record Shows for Merchants Acceptance Corp
PlainCredit places Merchants Acceptance Corp at #655 of 656 debt collectors by CFPB debt-collection complaint volume (1st percentile), matching the Collectors directory ranking. The CFPB has logged 62 debt-collection complaints against Merchants Acceptance Corp, 50.8% of the 122 complaints filed against this entity overall. Consumers in 24 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Incorrect information on your report," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 99.2%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That clears the industry benchmark, a sign the intake process is functioning on schedule. 3.3% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. In 11.1% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Merchants Acceptance Corp → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants Acceptance Corp: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (62 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (11.1% here).
Frequently asked questions
How many CFPB debt-collection complaints does Merchants Acceptance Corp have?
Merchants Acceptance Corp has 62 debt-collection complaints in the CFPB Consumer Complaint Database, ranking #655 of 656 collectors by that volume.
Does Merchants Acceptance Corp respond to CFPB complaints on time?
The timely-response rate for Merchants Acceptance Corp in this extract is 99.2%.
What issue do consumers cite most about Merchants Acceptance Corp?
The most-cited issue in complaints about Merchants Acceptance Corp is "Incorrect information on your report."
How should I read Merchants Acceptance Corp's CFPB complaint record?
Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.