CFPB Consumer Complaint Profile
Merchants Credit Assoc. Inc SC
Consumers have filed 15 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
- 15
- Total complaints
- Below average
- 0
- Last 12 months
- 93.3%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Merchants Credit Assoc. Inc SC has accumulated 15 complaints, placing it #3232 by volume. On-time replies land at 93.3%, the 24th percentile for the 100+ complaint peer group.
- #3232
- of 3,843 companies by volume
- 93.3%
- on time (24th pctile)
- Debt collection
- most-complained product
- 4
- 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 Credit Assoc. Inc SC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.3% Among the lowest higher than 24% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 4 |
| 2015 | 3 |
| 2016 | 5 |
| 2017 | 1 |
| 2018 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Credit Assoc. Inc SC
Merchants Credit Assoc. Inc SC carries 15 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 4 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts 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 Credit Assoc. Inc SC posts a 93.3% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 30.8% - 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 6.7% 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 Merchants Credit Assoc. Inc SC have?
Merchants Credit Assoc. Inc SC has 15 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Merchants Credit Assoc. Inc SC respond to complaints on time?
Merchants Credit Assoc. Inc SC has a 93.3% timely response rate to CFPB complaints.
What product generates the most complaints for Merchants Credit Assoc. Inc SC?
Among all products tied to Merchants Credit Assoc. Inc SC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Credit Assoc. Inc SC?
The most common issue reported by consumers about Merchants Credit Assoc. Inc SC is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Merchants Credit Assoc. Inc SC?
You can file a complaint against Merchants Credit Assoc. Inc SC 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 Credit Assoc. Inc SC?
Consumers in 4 states and territories have filed complaints about Merchants Credit Assoc. Inc SC 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 Credit Assoc. Inc SC: 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 (30.8% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Credit Assoc. Inc SC have?
Merchants Credit Assoc. Inc SC has 15 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Merchants Credit Assoc. Inc SC respond to complaints on time?
Merchants Credit Assoc. Inc SC has a 93.3% timely response rate to CFPB complaints.
What product generates the most complaints for Merchants Credit Assoc. Inc SC?
Among all products tied to Merchants Credit Assoc. Inc SC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Credit Assoc. Inc SC?
The most common issue reported by consumers about Merchants Credit Assoc. Inc SC is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Merchants Credit Assoc. Inc SC?
You can file a complaint against Merchants Credit Assoc. Inc SC 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 Credit Assoc. Inc SC?
Consumers in 4 states and territories have filed complaints about Merchants Credit Assoc. Inc SC 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.