CFPB Consumer Complaint Profile
Merchants' Credit Guide Company
716 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
- 716
- Total complaints
- Above average
- 24
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 35
- States affected
The verdict
Merchants' Credit Guide Company ranks #408 of 3,843 financial companies by CFPB complaint volume, with 716 complaints on record. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #408
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Debt collection
- most-complained product
- 35
- 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 Guide Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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 66 in 2024 to 28 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 | 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 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants' Credit Guide Company
The CFPB Consumer Complaint Database has logged 716 complaints against Merchants' Credit Guide Company overall, with 24 of those filed in the trailing 12 months. Reports have come from consumers in 35 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Merchants' Credit Guide Company draw a 99.7% 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. The company's response carried a 17.4% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 26% 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 Guide Company have?
716 complaints have been filed against Merchants' Credit Guide Company with the CFPB overall - 24 of them in the past year.
Does Merchants' Credit Guide Company respond to complaints on time?
CFPB complaints against Merchants' Credit Guide Company draw a 99.7% 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 Merchants' Credit Guide Company?
"Debt collection" draws more CFPB complaints against Merchants' Credit Guide Company than any other product - see the full breakdown above.
What is the most common complaint issue with Merchants' Credit Guide Company?
The most common issue reported by consumers about Merchants' Credit Guide Company is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Merchants' Credit Guide Company?
You can file a complaint against Merchants' Credit Guide Company 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 Guide Company?
Merchants' Credit Guide Company has drawn CFPB complaints from 35 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants' Credit Guide Company: 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 (17.4% 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.