Merchants Acceptance Corp
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
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)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Merchants Acceptance Corp
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Merchants Acceptance Corp have?
Merchants Acceptance Corp has 62 debt collection complaints filed with the CFPB, representing 50.8% of all complaints against this company.
Does Merchants Acceptance Corp respond to complaints on time?
Merchants Acceptance Corp's CFPB timely-response rate is 99.2%. That puts it among the more responsive collectors in the CFPB dataset.
Does Merchants Acceptance Corp provide relief to consumers?
Merchants Acceptance Corp closed 3.3% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Merchants Acceptance Corp primarily collect?
Merchants Acceptance Corp primarily collects "Other debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Merchants Acceptance Corp?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Merchants Acceptance Corp active?
Merchants Acceptance Corp has received consumer complaints from 24 states and territories, based on CFPB 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.