CFPB Consumer Complaint Profile
First Merchants Corporation
137 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 137
- Total complaints
- Mid-range
- 35
- Last 12 months
- 99.3%
- Timely response
- Above median
- 11
- States affected
The verdict
First Merchants Corporation ranks #1149 of 3,843 financial companies by CFPB complaint volume, with 137 complaints on record. Its on-time response rate is 99.3%, the 66th percentile among companies with 100+ complaints.
- #1149
- of 3,843 companies by volume
- 99.3%
- on time (66th pctile)
- Checking or savings …
- most-complained product
- 11
- 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.
First Merchants Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.3% Higher than most higher than 66% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 21 in 2024 to 33 in 2025 (2024 → 2025).
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 |
|---|---|
| 2020 | 10 |
| 2021 | 16 |
| 2022 | 22 |
| 2023 | 24 |
| 2024 | 21 |
| 2025 | 33 |
| 2026year in progress | 11 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Merchants Corporation
First Merchants Corporation carries 137 complaints in the CFPB's database, 35 of them filed within the past 12 months. Consumers spanning 11 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against First Merchants Corporation draw a 99.3% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 10.9% 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 First Merchants Corporation have?
The CFPB has logged 137 complaints against First Merchants Corporation to date, of which 35 came in over the last 12 months.
Does First Merchants Corporation respond to complaints on time?
CFPB complaints against First Merchants Corporation draw a 99.3% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for First Merchants Corporation?
The most complained-about product for First Merchants Corporation is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with First Merchants Corporation?
Consumers most often cite "Managing an account" when complaining about First Merchants Corporation; the full issue list with counts is above.
How do I file a complaint against First Merchants Corporation?
You can file a complaint against First Merchants Corporation 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 First Merchants Corporation?
Consumers in 11 states and territories have filed complaints about First Merchants Corporation 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.
Also handles Checking or savings account
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.