CFPB Consumer Complaint Profile
C B Merchant Services
What 26 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 26
- Total complaints
- Mid-range
- 0
- Last 12 months
- 96.2%
- Timely response
- Below median
- 3
- States affected
The verdict
26 CFPB complaints put C B Merchant Services at #2538 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 96.2%, the 35th percentile among companies with 100+ complaints.
- #2538
- of 3,843 companies by volume
- 96.2%
- on time (35th pctile)
- Debt collection
- most-complained product
- 3
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
C B Merchant Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.2% Around the middle higher than 35% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 3 |
| 2015 | 5 |
| 2016 | 1 |
| 2017 | 2 |
| 2019 | 4 |
| 2020 | 6 |
| 2021 | 3 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for C B Merchant Services
The CFPB Consumer Complaint Database has logged 26 complaints against C B Merchant Services overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 3 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against C B Merchant Services draw a 96.2% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 27.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 30.8% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does C B Merchant Services have?
C B Merchant Services has 26 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does C B Merchant Services respond to complaints on time?
C B Merchant Services's CFPB timely-response rate is 96.2%. This is considered excellent.
What product generates the most complaints for C B Merchant Services?
Among all products tied to C B Merchant Services, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with C B Merchant Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about C B Merchant Services; the full issue list with counts is above.
How do I file a complaint against C B Merchant Services?
You can file a complaint against C B Merchant Services directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about C B Merchant Services?
Consumers in 3 states and territories have filed complaints about C B Merchant Services with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for C B Merchant Services: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (27.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.