Merchants' Credit Guide Company
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-MERCHANTS-CREDIT-G Merchants' Credit Guide Company
609 DC complaints · rank #151/656 · 99.7% timely
- DC 609
- RANK #151/656
- TIMELY 99.7%
- RELIEF 26%
- DISPUTE 17.4%
- STATES 35
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Synerprise Consulting Servi…
Volume peers
Photo peer: Synerprise Consulting Services, Inc. (608)
Merchants' Credit Guide Company's 609 debt-collection complaints sit next to Synerprise Consulting Services, Inc. (608) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Merchants' Credit Guide Com… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 4 |
| 2015 | 13 |
| 2016 | 27 |
| 2017 | 58 |
| 2018 | 78 |
| 2019 | 54 |
| 2020 | 80 |
| 2021 | 126 |
| 2022 | 97 |
| 2023 | 73 |
| 2024 | 66 |
| 2025 | 28 |
| 2026 | 7 |
Complaints by State (Top 15)
What the CFPB Record Shows for Merchants' Credit Guide Company
Merchants' Credit Guide Company sits at #151 of 656 debt collectors in this extract by debt-collection complaint volume (77th percentile), the same ordering shown on /collectors. Merchants' Credit Guide Company has 609 debt-collection complaints on file with the CFPB, which represents 85.1% of the 716 total complaints the Bureau has received about this entity. Reports have originated from consumers in 35 states and territories, making this a multi-state collection operation as measured by complaint volume. "Medical debt" 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.
99.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. 26% of resolved cases against this company closed with some form of consumer relief. The response was formally disputed in 17.4% 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 Guide Company → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants' Credit Guide Company: 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 (609 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (17.4% here).
Frequently asked questions
How many CFPB debt-collection complaints does Merchants' Credit Guide Company have?
The CFPB extract lists 609 debt-collection complaints against Merchants' Credit Guide Company (#151 of 656 collectors by volume).
Does Merchants' Credit Guide Company respond to CFPB complaints on time?
CFPB complaints against Merchants' Credit Guide Company show a 99.7% timely-response rate.
What issue do consumers cite most about Merchants' Credit Guide Company?
The most-cited issue in complaints about Merchants' Credit Guide Company is "Attempts to collect debt not owed."
How should I read Merchants' Credit Guide Company'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.