Merchants Credit Corporation
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical
CFPB collection forwarding receipt
Forwarded record DC-MERCHANTS-CREDIT-C Merchants Credit Corporation
138 DC complaints · rank #508/656 · 96.7% timely
- DC 138
- RANK #508/656
- TIMELY 96.7%
- RELIEF 2%
- DISPUTE 21.7%
- STATES 19
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Universal Recovery Corporat…
Volume peers
Photo peer: Universal Recovery Corporation (138)
Merchants Credit Corporation's 138 debt-collection complaints sit next to Universal Recovery Corporation (138) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Merchants Credit Corporation →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
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)
What the CFPB Record Shows for Merchants Credit Corporation
PlainCredit places Merchants Credit Corporation at #508 of 656 debt collectors by CFPB debt-collection complaint volume (23rd percentile), matching the Collectors directory ranking. 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.
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 Credit Corporation → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants Credit Corporation: 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 (138 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (21.7% here).
Frequently asked questions
How many CFPB debt-collection complaints does Merchants Credit Corporation have?
Merchants Credit Corporation has 138 debt-collection complaints in the CFPB Consumer Complaint Database, ranking #508 of 656 collectors by that volume.
Does Merchants Credit Corporation respond to CFPB complaints on time?
Merchants Credit Corporation's timely response rate on CFPB complaints is 96.7%.
What issue do consumers cite most about Merchants Credit Corporation?
Consumers most often name "Attempts to collect debt not owed" when complaining about Merchants Credit Corporation.
How should I read Merchants Credit Corporation's CFPB complaint record?
Merchants Credit Corporation's profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
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.