CFPB Consumer Complaint Profile
Merchants and Medical Credit Corporation, Inc.
Consumers have filed 546 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 546
- Total complaints
- Above average
- 89
- Last 12 months
- 99.5%
- Timely response
- Above median
- 38
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Merchants and Medical Credit Corporation, Inc. has accumulated 546 complaints, placing it #478 by volume. Its on-time response rate is 99.5%, the 72nd percentile among companies with 100+ complaints.
- #478
- of 3,843 companies by volume
- 99.5%
- on time (72nd pctile)
- Debt collection
- most-complained product
- 38
- 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.
Merchants and Medical Credit Corporation, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.5% Higher than most higher than 72% 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 61 in 2024 to 91 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 |
|---|---|
| 2013 | 3 |
| 2014 | 12 |
| 2015 | 14 |
| 2016 | 30 |
| 2017 | 39 |
| 2018 | 55 |
| 2019 | 33 |
| 2020 | 39 |
| 2021 | 63 |
| 2022 | 46 |
| 2023 | 35 |
| 2024 | 61 |
| 2025 | 91 |
| 2026year in progress | 25 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants and Medical Credit Corporation, Inc.
Merchants and Medical Credit Corporation, Inc. carries 546 complaints in the CFPB's database, 89 of them filed within the past 12 months. Consumers spanning 38 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Merchants and Medical Credit Corporation, Inc. posts a 99.5% reply rate on forwarded complaints. 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 19.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 34.6%.
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 Merchants and Medical Credit Corporation, Inc. have?
The CFPB has logged 546 complaints against Merchants and Medical Credit Corporation, Inc. to date, of which 89 came in over the last 12 months.
Does Merchants and Medical Credit Corporation, Inc. respond to complaints on time?
CFPB complaints against Merchants and Medical Credit Corporation, Inc. draw a 99.5% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Merchants and Medical Credit Corporation, Inc.?
The most complained-about product for Merchants and Medical Credit Corporation, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Merchants and Medical Credit Corporation, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Merchants and Medical Credit Corporation, Inc. - see all issues and counts above.
How do I file a complaint against Merchants and Medical Credit Corporation, Inc.?
You can file a complaint against Merchants and Medical Credit Corporation, Inc. 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 Merchants and Medical Credit Corporation, Inc.?
Consumers in 38 states and territories have filed complaints about Merchants and Medical Credit Corporation, Inc. 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 Merchants and Medical Credit Corporation, Inc.: 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 (19.4% 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.