Merchants Credit Corporation
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical
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 |
|---|---|
| 2013 | 4 |
| 2014 | 23 |
| 2015 | 14 |
| 2016 | 21 |
| 2017 | 12 |
| 2018 | 3 |
| 2019 | 10 |
| 2020 | 13 |
| 2021 | 8 |
| 2022 | 12 |
| 2023 | 15 |
| 2024 | 9 |
| 2025 | 9 |
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 Credit Corporation
138 debt-collection complaints against Merchants Credit Corporation appear in the CFPB record - 90.2% of the 153 complaints filed about this entity. The 19 states and territories represented make this a multi-state operation by complaint volume. "Medical" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
96.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. 2% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 21.7% of resolved cases, indicating how frequently the initial fix fell short.
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 Credit Corporation have?
Merchants Credit Corporation has 138 debt collection complaints filed with the CFPB, representing 90.2% of all complaints against this company.
Does Merchants Credit Corporation respond to complaints on time?
Merchants Credit Corporation has a 96.7% timely response rate. That puts it among the more responsive collectors in the CFPB dataset.
Does Merchants Credit Corporation provide relief to consumers?
Merchants Credit Corporation closed 2% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Merchants Credit Corporation primarily collect?
Based on CFPB complaint records, Merchants Credit Corporation's primary debt type is "Medical"; the complete breakdown is shown above.
What rights do I have against Merchants Credit Corporation?
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 Credit Corporation active?
CFPB data shows consumer complaints against Merchants Credit Corporation from 19 states and territories.
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.